How it Works
The Value Add
Smarter, Faster Home Financing — With a Human in the Loop
Get matched to the right loan options, see your next steps clearly, and move from "thinking" to "keys" without confusion. iThink Mortgage combines smart technology with real human guidance so your path to homeownership feels simple — not stressful.
Fast Pre-Approval
Clear Next Steps
Real Support
Tech-Enabled
Find Your Path
Pick Your Path
Every buyer's journey is different. Whether you're purchasing your first home, using your VA benefits, refinancing, or investing — we've built a clear starting point for you.
First-Time Buyer
Low down payment options, step-by-step guidance, and DPA programs designed for new buyers.
VA Loans
Zero down payment, competitive rates, and streamlined processing for those who've served.
Refinance
Lower your rate, shorten your term, or tap equity — we'll find the smartest move for you.
Self-Employed & Investor
Non-traditional income? We specialize in creative lending solutions built for your reality.
Simple Process
How It Works
Three clear steps take you from curious to closing. No surprises, no runaround — just a guided path that respects your time.
Most borrowers complete their pre-approval in as little as one day. Our team keeps communication clear at every stage so you always know what's next.
Why iThink Mortgage
We built our process around what borrowers actually need — clarity, speed, and real human support when it matters most.
Clear Communication
Fast answers, plain language, and proactive updates — no chasing your loan officer.
Multiple Loan Types
Conventional, FHA, VA, Jumbo, DSCR, new construction — options tailored to your goals.
First-Time & VA Specialists
Extra care and guidance for buyers who need it most, including DPA navigation.
Stress-Free Process
Designed to reduce last-minute surprises with proactive planning and clear milestones.
Real Tools + Real Advice
Tech-powered matching with LoanBot plus licensed professionals who confirm every step.
About Us
Meet Mark Jones
Branch Manager | Sr. Loan Officer | NMLS# 513437
Straight talk, fast answers, and a clear plan — so you can move forward with confidence.
Mark Jones is a mortgage lender at iThink Mortgage who helps homebuyers and homeowners make smart financing decisions without the confusion. His approach is simple: educate first, communicate clearly, and build a clean path to closing.
He works with first-time buyers, VA borrowers, refinance strategies, new construction timelines, investor scenarios, and self-employed income — with a focus on clarity, speed, and communication.
Guides you from "not sure" to a clear next step
Prevents last-minute surprises with a structured process
Multiple loan options to fit real-life scenarios
Modern tools like LoanBot to simplify your experience
Meet the Team
With many years of experience — Our teams is here for you.
Alyssa Harle
Sr. Loan Processor
(830)431-4688
Amy Humphrey
Sr. Loan Partner
(210) 563-3621
Preston Jones
Sr. Loan Officer
NMLS# 2012137
JC Carpenter
Sr. Loan Officer
NMLS# 1768187
Justin Flores
Loan Officer
NMLS# 2383290
Selena Aguilar
Loan Officer
NMLS#2626865
Not sure who to choose? Schedule a call and we'll guide you to the right person.
Social Proof
Real Clients. Real Outcomes.
Don't just take our word for it — hear from borrowers who've been through the process and came out the other side with keys in hand.
Seamless from Start to Finish
"The team at iThink made my first home purchase feel effortless. Every step was explained clearly, and I never felt lost."
— First-Time Homebuyer
VA Loan Experts
"As a veteran, I needed a team that understood VA lending. They delivered — zero down, competitive rate, zero stress."
— U.S. Army Veteran
Fast and Transparent
"I got pre-approved the same day I applied. The communication was outstanding throughout the entire closing process."
— Refinance Client
Guided Journey
Your Homebuying Roadmap — Step by Step
Here's exactly what happens, when it happens, and how we keep it simple from first call to closing day.
Quick Call or LoanBot Match
We learn your scenario and identify the best starting point for your goals.
Pre-Approval + Budget Clarity
Know your numbers, get your letter, and shop with confidence.
Home Search + Offer Strategy
Work with your agent knowing exactly what you can afford and how to win offers.
Under Contract + Rate Lock
We lock your rate and build a clear game plan from contract to close.
Underwriting + Conditions
We help you stay ahead of every document request — no scrambling.
Appraisal + Final Approval
The finish line is in sight. We manage the details so you can focus on packing.
Closing Day 🎉
Sign, celebrate, and pick up your keys. Welcome home.
Loan Programs That Fit Real Life
Pick the category that matches your situation. We'll help you choose the best option for your goals — whether you're a first-timer, a veteran, or a seasoned investor.
First-Time Buyer
Low down payment, DPA-eligible, and built for new buyers.
VA Loans
$0 down for eligible veterans and active-duty service members.
FHA Loans
Flexible credit and income requirements with low down payments.
Conventional
Competitive rates for strong credit profiles and flexible terms.
Jumbo Loans
Financing for high-value properties above conforming limits.
Refinance
Lower your rate, shorten your term, or access your equity.
Investor Loans
DSCR and portfolio options for rental and investment properties.
Self-Employed
Bank statement and alternative-doc programs for business owners.
New Construction
One-time close and construction-to-perm loans for your dream build.
Down Payment Assistance
Grants and programs to reduce your upfront costs — check eligibility.
Quiz & Readiness
Are You Ready to Be a Homeowner?
Not sure where you stand? These two quick self-assessments give you a personal starting point — and a clear action plan for what to do next.
Quiz #1: Homeowner Readiness
This quick quiz covers your goals, timeline, credit range, savings, and employment type. After you submit, we'll send you a personalized Next Steps Plan including:
  • Recommended starting loan types
  • What to improve (credit, savings, docs)
  • Your likely timeline to buy
  • The fastest next action to take
Quiz #2: Credit Readiness
Worried about your credit? Most buyers underestimate what's possible. This check covers your credit range, payment history, debts, and goals. You'll receive:
  • A realistic credit readiness assessment
  • What to pay down and what to avoid
  • Recommended timeline to qualify
  • Option to schedule a credit strategy call
This is not a credit pull. Final approval depends on underwriting and verified documentation.
Smart Matching
Get Matched to the Right Mortgage Options
LoanBot helps narrow your ideal path fast — then a licensed expert confirms the best move for your unique situation. Start smarter, close faster.
What LoanBot Does
Organizes Your Scenario
Purchase, refi, investment — LoanBot maps your situation in minutes.
Highlights Likely Loan Paths
See which programs may fit before you even talk to someone.
Preps You for Next Steps
Walk into your expert call informed, organized, and ready.
What LoanBot Doesn't Do
We believe in honesty upfront:
  • Doesn't replace underwriting
  • Doesn't guarantee approval
  • Doesn't substitute for licensed advice
It helps you start smarter — so your first real conversation is more productive.
Frequently Asked Questions
Clear answers to the questions we hear most — no jargon, no runaround.
How much do I need for a down payment?
It depends on the loan. FHA starts at 3.5%, VA offers $0 down, and conventional can be as low as 3%. DPA programs may cover more.
What credit score do I need?
Many programs start at 580–620. Higher scores unlock better rates. We'll review your profile and recommend the strongest path.
How fast can I get pre-approved?
Same-day pre-approval guidance is available in many cases. Once we have your docs, a formal letter can follow quickly.
Can I qualify if I'm self-employed?
Yes. We offer bank statement programs and alternative documentation loans designed specifically for business owners and freelancers.
What documents are required?
Typically: ID, paystubs or tax returns, bank statements, and a credit overview. Self-employed borrowers may use 12–24 months of bank statements.
Do you offer down payment assistance?
Yes — multiple DPA programs are available depending on your location, income, and purchase price. We'll check your eligibility.
What if I'm not ready yet?
No problem. Schedule a free call to build a game plan. We'll help you understand what steps to take now so you're ready when the time comes.
Ready to Get Started?
Whether you're ready to apply or just want to explore your options, we're here to make the next step simple. No pressure — just a clear path forward.
📞 Call Us
Speak directly with a licensed mortgage expert.
📧 Email Us
Send a message anytime — we respond fast.
📍 Visit Us
Meet in person at our local office.
iThink Mortgage powered by Premier Mortgage Resources | NMLS# 1169 | Equal Housing Opportunity | Reviews | Privacy Policy | Disclaimers | Texas Disclosure
Complaints? Email us at info@pmrloans.com or call us at (208) 629-0606
Credit on approval. Terms subject to change without notice. Not a commitment to lend.
© Copyright 2026 Premier Mortgage Resources, LLC (“PMR”) | NMLS # 1169 www.nmlsconsumeraccess.org| Equal Housing Opportunity | PMR is not an affiliated or an agency of the federal government. All information contained herein is for informational purpose only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures, rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions apply. AZ-BK #0937529; CA – Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act; WA-CL 1169