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Home Ownership

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Odell Hines IV, 
NMLS: 2146647
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Mortgage Solutions for Investors, Homebuyers & Refinancers Nationwide

Whether you’re buying your first home, scaling a real estate portfolio, or refinancing to access equity — Odell Hines is your trusted mortgage advisor.


We work with clients nationwide — from Los Angeles, Detroit, New York, Miami, and everywhere in between. Our mission is simple: to help people fund the life they want through smart, flexible mortgage solutions tailored to their unique goals.


We specialize in:

  • NO DOC Investor Loans – No income or tax returns required. Perfect for self-employed borrowers and real estate investors.
  • First-Time Homebuyer Programs – Down payment assistance, FHA options, and low-credit solutions to help you get started.
  • Cash-Out & Rate-Term Refinancing – Leverage your home equity or lower your monthly payment.
  • Jumbo, VA, FHA, Conventional & Non-QM Loans – For both residential and commercial clients across 1–10 unit properties.

With experience closing deals in multiple states and years of industry expertise, we help everyday people and entrepreneurs build wealth through real estate — legally, efficiently, and strategically.

Contact us today to learn how we can help you win — whether it’s your first property or your fifteenth.


Call Our Experts Today!

What our clients say about us!

I cannot express enough gratitude to Odell and I AM Funding for their incredible help with my first VA home purchase. I was currently deployed overseas when i started this process and had the wife pretty much take care of most of it and was kind of worried but Odell walked my wife through everything really good and was able to get me and my family into our first home which honestly brought tears to my eyes thank god everyday for the blessings.

Choosing Odell for my refinance was one of the best decisions I've made! Only took me 8 days to close which is insane because last time i refinanced with my bank in 2021 it took a little over a month. He was able to somehow get me an appraisal waiver as well, Thank you Odell!

Working with Odell was an absolute pleasure! As first-time homebuyers, my partner and I were a bit nervous about the whole mortgage process, but Odell made everything easier than i thought. He guided us through each step of securing our home with professionalism. Highly recommend!

Five stars all around for Odell Hines the man! From the moment I reached out to him about buying a new house, I knew I was in good hands. Gave me the attention i needed and made me feel important spending time figuring out my unique situation and helped simplify the mortgage process where all other lenders were denying me. I wouldn't hesitate to work with Odell again in the future.

Worked with Odell from I AM Funding on my DSCR refinance to pull cash out of my investment property. Honestly had a great experience was impressed with how smooth and fast the process was, would definitely recommend Odell to business partners, friends and family.

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