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 a national portfolio lender's private wealth desk.
A private-wealth mortgage is jumbo and super-jumbo lending (I lend to $20M+, subject to credit approval and program terms) for high-net-worth borrowers whose income comes from assets, equity pay, or arrives in lumps. You can qualify on assets under management instead of W-2 income, with custom amortization and cross-collateralization that standard Fannie and Freddie rules don't allow. It's portfolio lending: the loan is held, not sold.
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.
What are jumbo loan rates and limits in 2026?
Jumbo loans start above the conforming loan limit, which the FHFA sets each year. For current average rates, see Freddie Mac's weekly Primary Mortgage Market Survey; I don't quote rates here, because your rate depends on your file. I lend to $20M+. Subject to credit approval and program terms.
No arbitrary cap: structured to your net worth
No private mortgage insurance, ever
Asset-based qualification and residual income analysis
Your loan stays in house: relationship banking, not a transaction
How is a private-wealth mortgage different from a conventional jumbo loan?
A conventional jumbo still follows rigid income rules and is often sold after closing. A private-wealth mortgage is held in portfolio, so the bank can qualify you on assets, structure custom amortization and cross-collateralize properties. I lend to $20M+. Subject to credit approval and program terms.
| Conforming | Jumbo | Private wealth | |
|---|---|---|---|
| Loan size | Up to the FHFA conforming limit | Above the conforming limit | Jumbo and super-jumbo, to $20M+ |
| Who sets the rules | Fannie Mae and Freddie Mac | The lender | The bank, held in portfolio |
| Income documentation | W-2 or tax returns | W-2 or tax returns, stricter | Assets, equity pay or lumpy income |
This isn't retail mortgage with a higher limit. It's a fundamentally different lending experience.
Your Loan Stays In-House
Sean originates private wealth mortgages through a national portfolio lender that keeps them. 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 opens the door to the bank's private banking side: dedicated private banker, preferred rates on deposits, and concierge treasury services.
Can I get a mortgage based on assets instead of income?
Yes. With asset depletion, your liquid assets are converted into qualifying income. You can also qualify on assets under management, or use a securities-backed structure that keeps your portfolio invested. Subject to credit approval and program terms.
| How it works | |
|---|---|
| Asset depletion | Liquid assets are converted into a qualifying monthly income |
| Assets under management | Qualify on managed assets instead of W-2 income |
| Securities-backed structures | A portfolio supports the loan without selling it |
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 originates in all 50 states. Select your state for local jumbo and luxury market details.