Alex Pinacho
NMLS# 647053Alex Pinacho
NON-QM MORTGAGE SPECIALIST · LICENSED MLO SINCE 2020After 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, and I provide proactive, clear communication on where your file stands throughout the process.
Credentials & Licenses
Areas of Expertise
Get in Touch
Book a Strategy Call →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
Eligible self-employed borrowers may qualify using lender-approved business or personal deposits. Tax returns may not be required for income qualification under certain programs; documentation requirements vary by lender.
Learn more →DSCR Loans
Eligible DSCR programs primarily evaluate the property's qualifying rental income relative to its housing expense. Personal employment-income documents may not be required for income qualification, although borrower, entity, asset, credit and property documentation still apply.
Learn more →RSU Income
Vesting equity counts. I document RSU income according to lender guidelines to help support 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
Above the applicable conforming loan limit. 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 not always evaluated consistently across lending channels.
Learn more →FHA Loans
Low-down-payment FHA options may be available for eligible borrowers with qualifying credit; FHA requirements and lender overlays apply. Flexible underwriting for first-time buyers and move-up buyers — including FHA 203(k) renovation financing.
Learn more →VA Loans
Eligible borrowers may have a no-down-payment option and no monthly private mortgage insurance. Entitlement, occupancy, appraisal, credit, income and lender underwriting requirements apply. 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+. Access home equity as income or a line of credit — with no required monthly principal and interest payment, subject to continuing loan obligations.
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.
Preliminary pre-qualification
Timing varies by file. Alex will evaluate potential loan options based on your financial profile, property, documentation, and applicable lender guidelines — before you make an 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. We work to identify potential issues early and provide clear communication throughout the mortgage process.
A structured process, not guesswork.
Every file starts with the full financial picture, not a checklist.
Start with the full financial picture
Review income, assets, liabilities, entities, property goals, and documentation before selecting a program.
Compare lender guidelines
Evaluate multiple wholesale lender options instead of forcing the file into one institution's product menu.
Explain tradeoffs clearly
Discuss documentation, cash-to-close, reserves, payment structure, timing, and program limitations before the borrower proceeds.
Stay involved through closing
Remain the borrower's primary mortgage contact from initial strategy through underwriting and closing coordination.
Ready to talk to a lender
who gets it?
Tell me about your situation. I'll evaluate potential loan options based on your financial profile, property, documentation, and applicable lender guidelines. In English or Spanish.