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Ivan Grigorian
Residential and investment property financing for self-employed professionals, real estate investors, and homeowners.
Financing built around how you earn and invest.
Ivan Grigorian is a Los Angeles–based mortgage loan officer with UTM Financial, LLC. Since entering the financial industry in 2015, he has focused on borrowers whose income and investments don't fit a conventional underwriting model: business owners, self-employed professionals, and real estate investors.
His approach is analytical. Drawing on a background in operations and supply chain management, Ivan evaluates each scenario across documentation types, loan structures, and lender guidelines before recommending a path, and presents the alternatives with their tradeoffs clearly laid out.
Ivan maintains working relationships with a broad network of lenders, property owners, and real estate professionals, which allows him to match complex scenarios with the lender best suited to them.
“The right loan isn't always the obvious one. My job is to find the one that fits.”
Ivan Grigorian
Who Ivan works with
Self-employed professionals
Business owners, independent contractors, and commission-based earners. Bank statement, P&L, 1099, and full-documentation programs evaluated side by side.
Real estate investors
From a first rental to a multi-property portfolio. DSCR, no-ratio, short-term rental, cash-out, and portfolio financing, including LLC ownership.
Homeowners and buyers
Conventional, FHA, VA, and jumbo financing for primary residences, along with refinance and home equity solutions for California homeowners.
A disciplined process for every loan
Each recommendation starts with the borrower's full financial picture, not a single product.
Comprehensive review
Income, assets, credit, property, and goals are reviewed up front to identify every program that fits, and the ones that don't.
Lender selection
Your scenario is matched against the guidelines of multiple lenders, with creative structuring where a file falls outside the standard box.
Transparent guidance
Options are presented side by side, with clear tradeoffs in cash to close, payment, and terms, and regular updates through closing.
Licensing and contact
Licensed in California, with all programs available for California properties. Business-purpose DSCR and investment property financing may also be available in other states where permitted.
- Title
- Mortgage Loan Officer
- Individual NMLS
- #1493724 ↗
- Company
- UTM Financial, LLC ↗
- Company NMLS
- #2591548
- Licensed in
- California
- Education
- Operations and Supply Chain Management
- Office
- Los Angeles, CA
- Direct
- (818) 650-0071
Working with Ivan
Is Ivan a loan officer or a lender?
Ivan is a licensed mortgage loan officer (NMLS #1493724) with UTM Financial, LLC (NMLS #2591548). He compares programs from multiple lenders to find the one that best fits each borrower's situation.
Which states does Ivan lend in?
Ivan is licensed in California, and all programs are available for California properties. Business-purpose DSCR and investment property loans may also be available in other states where permitted.
What types of borrowers does Ivan work with?
Primarily self-employed professionals and real estate investors, along with buyers and owners of primary residences using conventional, FHA, VA, and jumbo financing.
Will an initial consultation affect my credit?
No. Options can be reviewed based on an estimated credit score. Credit is pulled only when you're ready to proceed and authorize it.
How can I verify Ivan's license?
Search NMLS #1493724 on NMLS Consumer Access, or see the licensing page.
Let's find the right loan for you.
Tell me about your situation and I'll lay out your options. No credit pull, no obligation.