Our Story
iQRATE was founded by David V. Ghazaryan, a tax professional turned mortgage strategist. After years of working with clients on complex financials, David saw firsthand how many buyers and homeowners were underserved by traditional lenders. Banks often focused on the easiest files, leaving self-employed professionals, investors, and families with unique circumstances to fend for themselves.
With that in mind, iQRATE Mortgages was created as a boutique brokerage that blends deep financial expertise with the flexibility of a modern lending platform. Our promise is simple: clarity, communication, and choice. Every borrower deserves a mortgage solution designed for their real life—not just their credit score.
Our Mission
Our mission is to make the mortgage process clear, fair, and empowering.
• Clarity: Explaining every step so clients understand, not just sign.
• Options: Offering a range of options from trusted lenders instead of steering borrowers toward a single product.
• Knowledge: Using our tax and financial background to structure loans that actually fit long-term goals, whether that’s buying a first home, refinancing for savings, or leveraging equity for investment.
We know buying a home is often the largest financial decision a family will make. We take that responsibility seriously, which is why honesty and communication sit at the heart of everything we do.
The IQ Rate Difference
• Tax Expertise Meets Lending: We bring a deep understanding of tax law and financial structures, which means we can serve borrowers with complex profiles—real estate investors, business owners, and self-employed professionals.
• Creative, Tailored Solutions: From jumbo mortgages to alternative documentation programs, we specialize in matching clients to the loan strategies that truly work for them.
• Personal Attention: Our team is lean by design. That means every client works directly with the people making the decisions, not a distant call center.
