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Combining industry leading artificial intelligence and automation, think mortgage is at the forefront of mortgage lending and technology. 

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Why Choose think mortgage

We are a relationship-centric company

You’ve spent years building your reputation, refining your relationships, and earning the trust of your clients.

You deserve a home where your work is recognized, your growth is supported, and your future is in your hands.

At think mortgage, we help you scale with clarity and confidence. We’re built for professionals who value efficiency, integrity, and the ability to deliver excellence without red tape.

You stay focused on relationships. We handle the rest.

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We've Got The Resources & Community for Growth

Build a career that gives you the resources, community, and flexibility to grow your production

  • Transparent compensation that rewards your performance.
  • Proven leadership that listens and invests in your success.
  • Direct access to underwriting, marketing, and leadership support.
  • Advanced technology that helps you close faster and communicate better.
  • The freedom to brand yourself and grow your own book of business.

 

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think mortgage offers a tremendous amount of flexibility to its sales staff

With industry leading artificial intelligence and automation, originating loans at think mortgage is faster and easier. The company offers three distinct loan channel options.

1 – Traditional Delegated in-house underwriting: Our staff of experienced and sales-oriented underwriting professionals work closely with our sales and operations teams to get loans approved and closed fast.

2 – Non-Delegated external underwriting: In addition to our in-house underwriting, the company offers access to non-delegated loan programs from specialized investors. These non-delegated loan programs offer additional resources to our sales team ensuring the greatest opportunity to get loans closed.

3 – Broker Loans: think mortgage also offers the ability for its sales staff to broker loans when needed. think mortgage works with many different mortgage brokers who offered niche type products for specialized loan needs.

With three completely different loan channel options, think mortgage offers the greatest ability to get loans closed.

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With three completely different loan channel options, think mortgage offers the greatest ability to get loans closed

Conventional

FHA

VA

USDA

Jumbo Loans

DSCR

Non-QM

DPA (Down Payment Assistance)

Construction Loans

HELOC

Reverse Mortgages

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At Think Mortgage We Have A

Culture Built on Trust and Results

think mortgage was founded in 2005 as mortgage broker shop in Staten Island, New York. The company has steadily expanded from a local mortgage broker shop to a nationwide mortgage lender. The company is now licensed in 22 states and growing.

Combining industry leading artificial intelligence and automation, think mortgage is at the forefront of mortgage lending and technology. Built on a solid foundation of mortgage professionals and using the latest innovations in mortgage lending, think mortgage continues to grow and excel while leading the mortgage industry forward.

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What Sets Us Apart

Tools That Power Your Growth & Success

Our platform was built by mortgage professionals who know what it’s like to sit in your seat. Every system, every process, every piece of tech exists to make your business run smoother.

  • Loan Origination Software – Encompass

  • Pricing Engine – ICE PPE

  • Scenario Desk – thinkbot (A.I. Automation)

  • Disclosure Desk – thinkbot (A.I. Automation)

  • Smart Fee Provider – LodeStar

  • Scenario Desk #1 – thinkbot A.I.

  • Scenario Desk #2 – Ask REGI (A.I. Software)

  • CRM #1 – Unify

  • CRM #2 – Act On Software

  • Mortgage & Real Estate Database – MMI

  • Market News – Tabrasa One

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"You deserve technology that makes your work easier, not harder. Our platform is designed by people who’ve walked in your shoes: loan officers, branch managers, and industry veterans who know what it takes to win in today’s market."

Anthony Focca | Founder

What You Can Expect

We built think mortgage on a simple belief: when good people are trusted to lead, great things happen. Here, collaboration replaces competition, and accountability is shared across every level. We’re a team that celebrates your wins, supports your ideas, and helps you reach the next level of growth.

We value excellence, but we value people more. You’ll feel it in the way we lead, communicate, and serve.

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Better Service

At Think Mortgage, better service starts with how we serve you. You’ll have responsive support, clear communication, and leadership that moves fast. 

Better Process

We make it easier for you to deliver an exceptional client experience. Because when you’re equipped to do your best work, everyone wins.

Better Technology

Our technology works the way you do: fast, simple, and built for real lending. Everything is designed to save you time and keep you connected.

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