Jumbo, super-jumbo, and portfolio loans engineered for complex financial profiles — with the service standards your clients expect.
Speak with Our TeamLoan amounts from $1M to $20M+ for primary residences, vacation properties, and investment homes — structured to your client's balance sheet.
Non-conforming loans held in-house, offering flexible underwriting for clients with complex income streams, multiple properties, or unique asset structures.
White-glove processing with dedicated underwriters ensures competitive timelines — even on complex transactions requiring additional documentation.
Licensed in all 50 states with lender relationships across the country, including markets with unique regulatory requirements.
Note: This solution is designed for loans in excess of $1MM. For smaller loan needs, please contact our team to discuss available options.
Real-world examples of how we've helped advisors navigate complex residential lending scenarios for their clients.
An advisor's client — a business owner with variable K-1 income and significant investable assets — needed a $4.2M mortgage on a primary residence in a competitive market. Standard agency guidelines couldn't accommodate the income structure.
Working directly with a portfolio lender in our network, we structured the loan using asset-depletion underwriting — qualifying the client based on investable assets rather than documented income. The result: full approval at a competitive rate with a 45-day close. The advisor maintained full control of the client relationship throughout, and the client avoided the disruption of liquidating investments.
A client with four existing mortgages sought financing for a vacation property. Agency guidelines capped total financed properties, making conventional options unavailable. The advisor needed a creative solution that didn't disrupt the existing portfolio.
We identified a portfolio lender willing to underwrite the full picture — evaluating the client's total asset base, income diversification, and property cash flows holistically. The vacation property was financed at favorable terms, the existing mortgages remained untouched, and the close completed ahead of the client's seasonal deadline. The advisor has since referred three additional lending scenarios through our platform.