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Start Your Application

Ready when
you are.

Start your application online, or book a strategy call first — whichever works for your situation. Most files receive same-day pre-qualification.

Start Application → Book a Strategy Call
Send us a message first →
Same DayPRE-QUALIFICATION
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. Takes 15–20 minutes. Alex reviews your file same day 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 tell you exactly 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 hard credit pull is required for formal loan application and will result in a small, temporary impact to your credit score — typically 3–5 points. Multiple mortgage inquiries within a 14–45 day window are generally treated as a single inquiry by credit scoring models. We only pull credit when you're ready to proceed.
Most files receive a same-day pre-qualification once Alex has reviewed your application and supporting documents. For complex files (multiple entities, foreign income, large portfolios), it may take until the following business morning. You'll always know where things stand.
Very often, yes. Banks use conventional underwriting guidelines that exclude self-employed income, RSUs, DSCR, and other legitimate income sources. Our non-QM programs are specifically designed for borrowers whose income doesn't fit a W-2 mold. Schedule a call and let's look at your situation directly.
No. You can get pre-qualified before you have a specific property identified. A pre-qualification letter lets you make competitive offers when the right property comes along. Many borrowers start the process 30–90 days before actively searching.
GT Home Lending is currently licensed in Florida. We are actively expanding to Georgia, Texas, North Carolina, and South Carolina. If you're located outside Florida, contact us — licensing timelines move quickly and we may be able to help sooner than expected.
Yes. Alex is fully bilingual in English and Spanish. Every step of the process — from strategy call to closing — can be conducted in Spanish. You'll receive the same level of expertise and attention regardless of language preference.