Hi, and welcome to the forum.

There is something of a difference between having 10 years of IT experience and having 10 years of financial industry experience. The problem you may well run up against is that mortgage advising or financial services in general are very strongly related to the local tax laws and legal structure. IT doesn't have that constraint.

Now, if you could show that you have experience with the US financial industry - and understood US banks and US banking regulations - you might have a chance to substitute experience for the degree. (I dare not make any comments about the mortgage industry in the US, as we all know how that is going at the moment. )

What sort of "evaluation" company are they telling you to consult? And I have to say that I'm hugely skeptical of most H1B visa companies. Personally, I'd far rather deal directly with the employer, since they will have to pay considerable fees up front to get to in - and ultimately, they are the ones you have to convince to hire you. No company can "guarantee" anything related to visas. (At least not when you're talking about US visas.)
Cheers,
Bev