Apply for a Mortgage | GT Home Lending
Start Your Application

Ready when
you are.

Start your application online, or book a strategy call first — whichever works for your situation. Initial review timing depends on file completeness and complexity. Alex will confirm the next steps after receiving the available information.

Start Application → Book a Strategy Call
Send us a message first →

Do not send Social Security numbers, bank statements, tax returns, or other sensitive documents through the contact form. Use the secure application portal.

Same-DayINITIAL REVIEW, TIMING VARIES
25+WHOLESALE LENDERS
EN/ESFULLY BILINGUAL
TWO WAYS TO START

Choose the path that fits your situation.

OPTION 1 — FASTEST

Start your online application

Our secure ARIVE platform. Most applicants can complete the initial application in about 15–20 minutes; timing varies. Alex reviews your file and reaches out with next steps.

→ OPTION 2 — NOT SURE YET

Book a 15-minute strategy call

Talk to Alex first. No pitch, no pressure — just an honest read on your options before you commit to anything.

→

Not sure which loan fits your situation? Send us a message and Alex will tell you before you apply.

Before You Apply

What to have ready.

Don't worry about gathering everything before you start. The application can be saved and completed in stages. This is a general guide — Alex will review what's needed for your specific loan type after your first conversation.

Non-QM loans often require fewer documents than conventional loans — not more. If you're self-employed or an investor, we likely need less than your bank asked for.

Questions? Book a call first →
Identity & Basic Info
Government-issued photo ID (driver's license or passport)
Social Security number (or ITIN for foreign national programs)
Current address and 2-year address history
For Bank Statement Loans
12 or 24 months of business or personal bank statements
Business license or CPA letter confirming self-employment
Business ownership documentation
For DSCR Loans
Subject property address and purchase contract (if applicable)
Current lease agreement or rental income documentation
Entity documents (if purchasing in LLC)
For W-2 / RSU / Jumbo
2 years W-2s and most recent pay stubs
RSU vesting schedule and brokerage statements
2 months asset statements (bank, investment, retirement)
For All Loan Types
Purchase contract or property address (if property identified)
Most recent mortgage statement (if refinancing)
HOA documents if applicable
Common Questions

Before you apply.

A formal mortgage application may require a hard credit inquiry, which can temporarily affect a credit score. Credit-scoring models generally provide a rate-shopping window for multiple mortgage inquiries, but the exact treatment varies by model.
Initial review timing depends on file completeness and complexity. Alex will confirm the next steps after receiving the available information. A pre-qualification is not a commitment to lend or a final underwriting approval.
Possibly. A bank decline may result from that institution's product menu, documentation rules, or overlays. We can review the reason for the decision and determine whether another conventional, government, jumbo, or non-QM program may fit.
No. A borrower may begin the review and pre-qualification process before selecting a property. Final approval remains subject to the specific property, appraisal, title, insurance, underwriting, and lender requirements.
GT Home Lending currently provides residential mortgage brokerage services for Florida properties.
Yes. Alex Pinacho is bilingual in English and Spanish and can provide consultations and mortgage-process support in either language.

Program availability, eligibility, loan limits, terms, interest rates, fees, approval, and closing timelines are subject to change and may vary based on borrower qualifications, property eligibility, documentation, underwriting, lender and investor guidelines, and applicable federal and state requirements. This information is for general educational purposes and is not a commitment to lend or an offer of credit.