Licenses


California	California Department of Financial Protection and Innovation (“DFPI”)	Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act	(CADFPI39743)
Colorado	Colorado Division of Real Estate	Mortgage Company Registration	(100529757)
Connecticut	Connecticut Department of Banking	Mortgage Lender License	(LO-39743)
Florida	Office of Financial Regulation	Mortgage Lender Servicer License	(LO24196)
Maryland	Commissioner of Financial Regulation	Mortgage Lender License	(39743)
New Jersey	Department of Banking and Insurance	Residential Mortgage Lender License
North Carolina	Commissioner of Banks	Mortgage Lender License	(I-211285)
South Carolina	State Board of Financial Institutions	Mortgage Lender/Servicer License
Pennsylvania	Department of Banking	Mortgage Lender License	(75369)
Texas	Department of Savings and Mortgage Lending	Mortgage Banker Registration
Virginia	State Corporation Commission	Lender License	(MLO-53673VA)

Our Loan Products

Doctor and Professionals Loans

Construction Loans

Non Institutional Loans

Non QM Loans

Condo Hotel Loans

Commercial Loans

Bank Statement Loans

No Income Loans

Fix and Flip Loans

Reverse Mortgage Loans

Profit and Loss Loans

Foreign National Loans

Jumbo Loans

VA Loans

FHA Loans

Conforming Loans

Non-Warrantable Condo Loans

ITIN Loans

“When Banks Say NO,
ICU Says YES”

Overall Rating on Zillow

Super fast mortgage process!

As first time home buyers, the mortgage process seemed very daunting. Gennady made our process very easy by explaining every step in detail and reviewing every file submitted. As a result of his dedication, we were able to close on a very short period of time and Gennady ensured the entire process was smooth. Would definitely recommend him for all of your mortgage needs!

Amanda & Florian U from Miami Beach, FL

Awesome broker

Gennady was extremely professional, helpful and knowledgeble. From the time we started working with him he made us comfortable and we knew we’ll get the best service. He is very responsive, we didn’t have to drag info out of him. All our questions were answered right away. Highly recommend

Miguel from Morganville, NJ

Highly Recommend!

If you are looking for someone to get things done in a best possible way, look no more. Gennady is very professional and very knowledgeable. Can not thank him enough for his help with our home purchase!

zuser201804240930549 from Asbury Park, NJ

Always the best experience !

Me and my family had the pleasure of working with Gennady Utchitel once again when it came time to refinance our home. As always, the process was smooth and we always knew what to expect. Gennady Utchitel was available, day or night to answer any questions we had, no matter how big or small, he always took the time to explain everything and made us feel like we are in the best hands, because we ARE. He is honest, very organized and extremely professional. Thanks to Gennady Utchitel, we got an AMAZING rate, one that I did not believe was possible, but he made it happen, however I am not surprised as he is always on top of everything and made sure to lock it in as soon as he saw possible. I will continue to recommend Gennady Utchitel to all my friends, family & co-worker as I believe he is truly the best man for the Job.

ANNAYEL from New York-Newark-Jersey City, NJ

He truly makes miracles !!!

Gennady is a true professional and absolutely amazing to work with . Extremely knowledgeable in his field ; knows the system inside-out. Me being a first time home buyer i couldn’t of asked for a better mortgage broker than Gennady Utchitel or as I’d like to refer to him as “uncle “ because that’s how he made me feel… like we were family . Made it very comfortable to work with from the beginning always kept me informed and would communicate with me anytime during the day. I can’t thank him enough for his guidance and tireless work effort because my situation was no easy task but he got it done !

Johnny S from Hollywood, FL

Highly recommended!

I was using Gennady’s help with the property I just purchased and my other properties, both purchasing and refinancing.

My sons used his help as well. Highly recommended!

Luda A. from North Miami Beach, FL

Best Mortgage Broker You can ask for!

With Gennady Utchitel you can rest assured that you will get the house of your dreams! He is dedicated, professional, knowledgeable, and very pleasant to work with. Gennady will work around the clock and do his best to give you the best rate/deal you can get. There are so many benefits you get with a mortgage broker that you would never get when working directly with a bank. He was always available to talk to, no matter if it’s the weekend or late at night, always suggesting Plan A, Plan B or Plan C. Most importantly he came through for us when we needed to move out of NYC during COVID-19 pandemic.

If you want the best deal on your new home – call Gennady, you will not be disappointed!

zuser201612011318489 from Englishtown, NJ

Professional and Thorough

I had the great pleasure of working with Gennady Utchitel over the past several months regarding my loan documents and highly recommend him. He is professional, thorough and pro-active in helping package detailed financial records and supporting documents. He works around the clock and this was particularly helpful, given my out of state residence three time zones away.

Don Neff from Miami, FL

Easy Peasy

Working with Gennady and ICU was a breath of fresh air! He was able to save us $1000 a month on our mortgage by re-financing. Our original mortgage broker sucked us into an awful rate and payment. Gennady was able to quickly and efficiently assist in our re-fi and get us exactly what was promised. We would recommend him and his company to anyone in search of a refinance or new mortgage. Now we can enjoy our new house without the sky high rates and put the additional funds in our savings for our family.

Regina & Eric from Hollywood, FL

Professionalism and knowledge of Gennady Utchitel are impressive and truly appreciated!

I am really happy with the deal and loan I got from the mortgage broker Mr. Gennady Utchitel. Speaking with him helped me have exactly what I was looking for. Informative, extremely attentive to our financial needs, Gennady has always been professional and knowledgeable in every area of lending. Would highly recommend Mr. Utchitel to anyone thinking about refinancing or purchasing a home.

avoychi from Pompano Beach, FL

Thank you Gennady

If you looking for intelligent and knowledgeable person to take care of your mortgage – Gennady is that person. He would take care of you from first step to the last. All work done as promised and most important that he would never promise you something that could create a problem in future. He would walk you through of all process, have a patience and time to explain in details and make everything for you to get positive results. I would recommend him to all my friends and acquaintances – because it is very important who is working to help you to buy your dream place. At the end I only could say – THANK YOU SO MUCH GENNADY TO TAKE CARE OF MY BUSINESS.

Alla from North Miami Beach, FL

Extremely helpful morgage broker!

Gennady helped us with our 1st home purchase hopefully not last… Everything he did was quick and very knowledgeable. Gennady is always 1 step ahead of you! Highly recommend him to anybody who wants to have smooth and stress free home purchases! Once again thanks !

Dmitry Parfenov from Hallandale, FL