Private Wealth Mortgage · California

Jumbo & Private Wealth Mortgage in California — Up to $20M+.

Whether you're purchasing in Los Angeles, building in San Francisco, or consolidating a portfolio across California — Sean Shallis structures jumbo and private wealth mortgages that retail lenders can't touch.

Portfolio lending. Complex income. Trust and LLC vesting. No PMI. Sean originates through a national portfolio lender, with the same underwriter from application to close.

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Confidential consultation 20-minute strategy call No obligation

Private Wealth Lending in California

California's luxury markets deserve a lender who builds custom.

Sean Shallis is a national private wealth mortgage specialist backed by a national portfolio lender. He personally handles every high-net-worth client — no hand-off to junior staff, no 1-800 number. Complex income, multiple properties, foreign nationals, trust purchases — Sean structures what others can't.

Whether you're an executive purchasing in Los Angeles, a business owner building in San Francisco, or a foreign national investing in California real estate — his lender offers portfolio lending solutions unavailable through retail channels.

Strategy Call

A confidential 20-minute call with Sean. He maps your income structure, asset picture, and California property goals.

Custom Structure

Sean designs your loan: income sources, asset leverage, optimal term, trust or LLC vesting — tailored to your California purchase.

White Glove Close

Sean manages every detail through closing. One point of contact. Private wealth processing lane. Coordinated seamlessly.

Executives & C-Suite

RSU, stock options, and deferred compensation counted as qualifying income for California purchases.

Business Owners

Self-employed with complex write-offs? We look at cash flow, not just your 1040. Ideal for California entrepreneurs.

Foreign Nationals

Non-resident buyers purchasing California real estate. No SSN required. Asset-based qualification available.

Multi-Property & Trust

Portfolio lending with no property count limit. Trust and LLC vesting. Perfect for California investment portfolios.

$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

The lender keeps your loan — relationship banking

Sean vs. Typical California Jumbo Lenders

Most California lenders offer jumbo loans. Very few offer private wealth lending strategy.

Feature

Working With Sean

Retail Jumbo

CA Private Bank

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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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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Luxury Markets Across California

Sean works with high-net-worth borrowers in every California market — and nationwide.

Los Angeles, CA

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Los Angeles.

San Francisco, CA

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in San Francisco.

San Diego, CA

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in San Diego.

Sacramento, CA

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Sacramento.

Private Wealth Mortgage FAQ — California

What are the jumbo loan limits in California?

Conforming loan limits vary by county in California, but portfolio loans start above conforming limits and go up to $20M+. There is no arbitrary cap — your loan amount is structured around your financial picture, not a government guideline.

Can I use asset depletion to qualify in California?

Yes. Asset depletion divides your eligible liquid assets by the loan term to create qualifying income. Ideal for retired executives, business owners between ventures, or high-net-worth borrowers purchasing in California with significant wealth but non-traditional income.

Can I purchase a California property in a trust or LLC?

Absolutely. Sean regularly closes loans vested in revocable trusts, irrevocable trusts, and LLCs in California. No need to close in personal name and transfer after — we close directly into the entity.

Does Sean work with foreign nationals buying in California?

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

Can RSU and stock income qualify me for a California jumbo loan?

Yes. Sean's lender counts vested RSUs, stock options, and deferred compensation as qualifying income. We analyze your vesting schedule and historical grants — unlike retail lenders who often ignore non-cash compensation entirely.

Are interest-only jumbo loans available in California?

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

How many investment properties can I finance in California?

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

How does rate renegotiation work?

Because the lender portfolios your loan (keeps it on its books), rate renegotiation is available before funding if rates drop. Sean also monitors rates post-close through Rosie — if a meaningful savings window opens, he'll reach out proactively.

Ready for a private wealth mortgage in California?

Book a confidential 20-minute strategy call with Sean. No obligation. No junior staff. Direct access to 30+ years of private wealth lending expertise.

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Know California before you borrow

How closings work in California

Escrow and title companies run the closing; attorneys are optional, not customary. Expect a signing appointment with a notary rather than a closing table.

Taxes and transfer costs

Property tax is based on the purchase price and reassessed only when the home changes hands, so long-time owners and new buyers next door can pay very different bills. Supplemental tax bills arrive after closing and surprise first-time buyers.

Insurance that shapes the file

Wildfire zones drive insurance availability. In many areas the California FAIR Plan is the insurer of last resort, and a lender needs a bound policy before funding, so start the insurance search the day the offer is accepted.

Where people are buying

Los Angeles · the Bay Area · San Diego · Sacramento · the Inland Empire · Orange County. First-time and lower-down-payment programs run through the California Housing Finance Agency (CalHFA).

Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in California →

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