Private Wealth Mortgage · Portfolio Lending

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.

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Confidential consultation 20-minute strategy call No obligation

Built for Complex Borrowers

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.

Private Wealth Advantage

Numbers that move differently.

$20M+

Loan Amounts

No arbitrary cap — structured to your net worth

PMI on Jumbo

No private mortgage insurance, ever

Flexible

DTI Guidelines

Asset-based qualification and residual income analysis

Portfolio

Lender

Your loan stays in house — relationship banking, not a transaction

What Makes This Different

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

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.

Sean vs. a Typical Jumbo Lender

Not all jumbo lending is created equal.

Feature

Working With Sean

Retail Jumbo

Private Bank Competitor

Loans up to $20M+

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Portfolio lender (keeps your loan)

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RSU/stock income counted

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Asset-based qualification

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Trust and LLC vesting

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Interest-only options

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No PMI on jumbo

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Foreign national eligible

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Free rate renegotiation

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Single point of contact (Sean)

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AI rate monitoring (Rosie)

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Private banking relationship included

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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?

Conforming loan limits (currently $766,550 in most areas) don't apply here. Sean's portfolio lender offers jumbo loans from $766,551 to $20M+ with no arbitrary cap. Your loan amount is structured around your financial picture, not a government guideline.

How does asset-based qualification work?

Asset depletion allows you to qualify using liquid assets instead of traditional income. We divide your eligible assets by the loan term to create a qualifying income stream. Ideal for retired executives, business owners between ventures, or borrowers with significant wealth but non-traditional income.

Can RSU and stock compensation count as income?

Yes. Sean's portfolio lender counts vested RSUs, stock options, and deferred compensation as qualifying income. We analyze your vesting schedule and historical grants to determine sustainable income — unlike retail lenders who ignore it entirely.

Can I finance multiple investment properties?

Absolutely. Portfolio lending means no limit on the number of financed properties. Whether you have 5 or 50, we structure each loan based on your total financial picture. No property count restrictions that plague conventional lending.

Can I purchase in a trust or LLC?

Yes. Sean's portfolio lender regularly closes loans vested in revocable trusts, irrevocable trusts, and LLCs. No need to close in personal name and transfer after — we close directly into the entity.

Are foreign nationals eligible?

Yes. Non-resident foreign nationals can purchase U.S. real estate through our private wealth programs. No SSN required. Asset-based qualification available. Typically 30-40% down payment with competitive rates.

Are interest-only options available?

Yes. Interest-only periods of 5, 7, or 10 years are available on private wealth mortgages. This maximizes cash flow and provides flexibility for borrowers who prefer to deploy capital elsewhere during the IO period.

How do rate locks work on jumbo loans?

Extended rate locks up to 90 days are available for jumbo purchases. For new construction, we offer float-down options and extended locks up to 12 months. Sean also monitors rates after lock — if they drop significantly before close, renegotiation is available.

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.