When Your Loan Doesn't Fit the Box, You Need Someone Who Builds Custom.
Jumbo and portfolio mortgage solutions for high-net-worth borrowers. Complex income, multiple properties, foreign nationals, trust-held assets — Sean structures what others can't. Backed by U.S. Bank Private Wealth.
You don't need another lender. You need a private wealth mortgage strategist.
If your income, assets, or property structure doesn't fit a standard underwriting box — you're in the right place.
Executives & C-Suite
RSU/stock-based compensation, deferred comp, and complex W-2s. We count income others won't.
Business Owners
Self-employed with write-offs that suppress taxable income. We look at cash flow, not just your 1040.
Physicians & Professionals
High DTI from student loans with massive earning trajectories. Portfolio lending solves what conforming can't.
Foreign Nationals
Non-resident borrowers purchasing U.S. real estate. No SSN required. Asset-based qualification available.
Multi-Property Investors
5, 10, 20+ properties. Portfolio lending with no limit on financed properties. Trust and LLC vesting available.
Numbers that move differently.
No arbitrary cap — structured to your net worth
No private mortgage insurance, ever
Asset-based qualification and residual income analysis
U.S. Bank keeps your loan — relationship banking, not a transaction
The Private Wealth Difference
This isn't retail mortgage with a higher limit. It's a fundamentally different lending experience.
Your Loan Stays In-House
U.S. Bank portfolios private wealth mortgages. That means rate renegotiation, low-cost recasting, and a real relationship — not a servicing transfer to a random company 90 days after closing.
One Human. Not a Team.
Sean personally handles every private wealth client from application to close. No hand-off to a junior processor. No 1-800 number. His cell phone. His expertise. Every time.
Income Flexibility Others Can't Match
Rental income from 20 properties? RSUs vesting quarterly? K-1 losses that suppress taxable income? Asset depletion for retired borrowers? We structure around your actual financial picture.
Private Banking Access
Your mortgage relationship unlocks U.S. Bank banking — dedicated private banker, preferred rates on deposits, and concierge treasury services.
Sean + U.S. Bank vs. Everyone Else
Not all jumbo lending is created equal.
Three steps. White glove throughout.
High-net-worth lending requires strategy, not just paperwork.
Strategy Call
A confidential 20-minute call with Sean. He maps your income structure, asset picture, and property goals — then designs a custom lending strategy.
Custom Structure
Sean builds your loan structure: which income to use, which assets to leverage, optimal term, interest-only vs. amortizing, trust vs. personal name. Tailored to you.
White Glove Close
Sean manages every detail through closing. One point of contact. No hand-offs. Private wealth processing lane. Title, appraisal, legal — coordinated seamlessly.
Private Wealth Mortgage FAQ
What are the jumbo loan limits?
How does asset-based qualification work?
Can RSU and stock compensation count as income?
Can I finance multiple investment properties?
Can I purchase in a trust or LLC?
Are foreign nationals eligible?
Are interest-only options available?
How do rate locks work on jumbo loans?
Ready for a mortgage that matches your net worth?
Book a confidential 20-minute strategy call with Sean. No obligation. No junior staff. Direct access to 30+ years of private wealth lending expertise.
Private Wealth Mortgage — Available in All 50 States
Sean is licensed nationwide. Select your state for local jumbo and luxury market details.