Over 13 years of expertise connecting families, 1099 contractors, business owners, and international investors to wholesale lenders across 10 U.S. states. From credit optimization to closing day keys.
Senior Loan Officer & Credit Specialist
As an independent mortgage broker operating under Heart Mortgage Corp, Carla Pagnini shops across dozens of premier institutional lenders to secure the lowest wholesale interest rate, zero retail markups, and flexible approvals.
Answer 4 simple questions. Carla Pagnini will personally analyze your numbers to present your best wholesale lending options.
With over 13 years of distinguished experience in the U.S. real estate and mortgage lending industry, Carla Pagnini has built a respected career grounded in integrity, financial education, and high approval rates.
Her background as a Certified Credit Specialist gives her a unique edge: she doesn’t just help you get approved—she helps you get prepared. She optimizes your credit structure, rectifies discrepancies, and matches you with top-tier wholesale lenders that traditional retail banks overlook.
Deep real estate and lending track record in the USA.
Strategic score optimization for lowest mortgage rates.
We compare dozens of top-tier institutional wholesale lenders to secure your lowest interest rate and fastest underwriting approval.
Finance your U.S. home using your ITIN. Flexible qualification with down payments starting at just 3.5% to 10%.
No tax returns required! Qualify for your mortgage using 12 to 24 months of bank deposits (personal or business). Down payments from 10%.
Purchase real estate in Florida & across the U.S. using your passport and foreign income (e.g. Brazilian IRPF). Down payments starting at 25%.
Qualify based on the property's rental cash flow (Airbnb or long-term lease). No personal income verification needed.
Prime wholesale interest rates backed by Fannie Mae and Freddie Mac. As low as 3% down for first-time homebuyers.
Government-insured mortgage offering flexible credit guidelines (580+ FICO) and a low 3.5% down payment.
Estimate your monthly principal, interest, property taxes, insurance, and PMI.
Carla Pagnini is authorized under Heart Mortgage Corp to originate residential mortgages across 10 key U.S. states.
Carla Pagnini operates with absolute transparency under Heart Mortgage Corporation, in full compliance with the Equal Credit Opportunity Act, Fair Housing Act, and Nationwide Multistate Licensing System (NMLS).
We conduct business in accordance with the Federal Fair Housing Law.
Carla Pagnini (Carlesia Pagnini) — Authorized Loan Originator.
Licensed Mortgage Brokerage HQ: Boca Raton, Florida.
You can verify the official licensing and regulatory status of Carla Pagnini (NMLS #1844419) and Heart Mortgage Corp (NMLS #2045769) at any time through the official federal registry:
Yes! Carla Pagnini specializes in ITIN mortgage programs through wholesale lenders. You do not need a Social Security Number or green card. You only need your valid ITIN, tax returns or bank statements, and down payment funds (starting at 3.5% to 10%).
With our wholesale Bank Statement programs (Non-QM), lenders calculate your true purchasing power using 12 to 24 months of bank deposits, without requiring complex tax returns.
Before submitting your loan, Carla reviews your credit reports, pinpoints rapid rescoring opportunities, resolves errors, and positions your file for optimal wholesale pricing.
Absolutely. We offer dedicated Foreign National loans and DSCR investor programs requiring only a passport and foreign income or projected rental revenue.
