Alex Pinacho
NMLS# 647053Alex Pinacho
NON-QM MORTGAGE SPECIALIST · LICENSED MLO SINCE 2011After After 17 years in banking — commercial lending, residential real estate, HELOCs, and business lines of credit — I became a licensed independent MLO. I launched GT Home Lending in May 2026. One reason: sophisticated borrowers deserve a sophisticated lender. I specialize in the files that make other lenders uncomfortable.
Your mortgage architect.
Not a loan processor.
After 17 years in banking — commercial lending, residential real estate, HELOCs, and business lines of credit — I launched as an independent licensed MLO in March 2020 and founded GT Home Lending in May 2026. One reason: sophisticated borrowers deserve a sophisticated lender.
I specialize in the files that make other lenders uncomfortable. Multiple entities, RSU income, DSCR portfolios, foreign earned income, business liabilities in personal names. That complexity is where I work best.
I'm also a real estate investor myself. I understand depreciation, 1031 exchanges, and portfolio strategy. When you work with me, you're not just getting a loan — you're getting a partner who thinks about your financial picture the way you do.
Every client gets direct access to me — not an assistant, not a processor handoff. You'll have my cell, you'll know where your file stands, and you'll always understand exactly what's happening and why.
Credentials & Licenses
Areas of Expertise
Get in Touch
The files other lenders
won't touch.
Access to 25+ wholesale lenders — including non-QM specialists most retail banks have never heard of.
Bank Statement Loans
Qualify on 12 or 24 months of business or personal deposits. No tax returns. Built for self-employed borrowers with strong cash flow.
Learn more →DSCR Loans
Qualify on the property's rental income — not your personal income. No tax returns, no pay stubs. Scale your portfolio without financing roadblocks.
Learn more →RSU Income
Vesting equity counts. I document RSU income the right way — maximizing your qualifying amount on jumbo purchases and refinances.
Learn more →Asset Depletion
Significant assets, limited documented income. Convert your investment portfolio or retirement accounts into qualifying monthly income.
Learn more →Jumbo Loans
$650K and above. White-glove execution, full-service structuring, and access to lenders who specialize in high-value transactions.
Learn more →Foreign National
Non-US citizens and ITIN borrowers welcome. International income, foreign assets, and non-traditional documentation handled with expertise.
Learn more →Conventional Loans
Fannie Mae and Freddie Mac programs — including complex W-2 income, variable pay, bonus history, and multiple income streams that most lenders undercount.
Learn more →FHA Loans
3.5% down with a 580+ credit score. Flexible underwriting for first-time buyers and move-up buyers — including FHA 203(k) renovation financing.
Learn more →VA Loans
Zero down payment, no PMI, competitive rates — the most powerful mortgage benefit for those who served. IRRRL streamline refinance included.
Learn more →Construction to Perm
Single-close construction loans that convert to permanent financing at completion. One application, one closing, one loan — from groundbreak to move-in.
Learn more →Reverse Mortgage
HECM and proprietary reverse mortgage programs for borrowers 62+. Convert home equity into tax-free income or a line of credit — no monthly payment required.
Learn more →White-glove from
first call to closing.
Direct access. No handoffs. You work with Alex — start to finish.
Strategy call
15 minutes. I understand your full financial picture before recommending a single product. No pitch, no pressure — just an honest read on your options.
Same-day pre-qualification
Most files qualify same day. You'll know exactly where you stand, what's needed, and what your realistic approval looks like — before you make any offer.
Scenario structuring
I present 2–3 loan scenarios in plain language — rates, terms, costs, total interest. In English or Spanish. You choose what fits your goals, not mine.
Close with confidence
Proactive updates at every stage. You'll always know where your file stands — no chasing, no surprises, no last-minute scrambles at the closing table.
What clients say about Alex.
Real borrowers. Real complexity. Real closings.
Ready to talk to a lender
who gets it?
Tell me about your situation. I'll tell you honestly what's possible — and show you exactly how to get there. In English or Spanish.