Private Wealth Mortgage · Florida

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

Whether you're purchasing in Miami, building in Tampa, or consolidating a portfolio across Florida — 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 Florida

Florida'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 Miami, a business owner building in Tampa, or a foreign national investing in Florida 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 Florida property goals.

Custom Structure

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

Business Owners

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

Foreign Nationals

Non-resident buyers purchasing Florida 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 Florida 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 Florida Jumbo Lenders

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

Feature

Working With Sean

Retail Jumbo

FL 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 Florida

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

Miami, FL

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

Tampa, FL

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

Orlando, FL

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

Jacksonville, FL

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

Private Wealth Mortgage FAQ — Florida

What are the jumbo loan limits in Florida?

Conforming loan limits vary by county in Florida, 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 Florida?

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 Florida with significant wealth but non-traditional income.

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

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

Does Sean work with foreign nationals buying in Florida?

Yes. Non-resident foreign nationals can purchase Florida 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 Florida 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 Florida?

Yes. Interest-only periods of 5, 7, or 10 years are available on private wealth mortgages in Florida. 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 Florida?

Portfolio lending means no limit on the number of financed properties. Whether you have 5 or 50 properties across Florida 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 Florida?

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 Florida before you borrow

How closings work in Florida

Title companies or closing attorneys handle the closing; either is common and the contract usually says which. There is no state income tax, which changes how self-employed income reads on a file.

Taxes and transfer costs

The homestead exemption and the Save Our Homes assessment cap reward owner-occupants and long-time owners; a new buyer's tax bill can be much higher than the seller's, so estimate on the purchase price, not the current bill.

Insurance that shapes the file

Wind and hurricane coverage is the file-maker or file-breaker. Citizens is the state-backed insurer of last resort, roof age drives insurability, and coastal and low-lying areas need flood insurance before funding.

Where people are buying

Miami and Fort Lauderdale · Tampa Bay · Orlando · Jacksonville · Naples and Fort Myers · the Panhandle. First-time and lower-down-payment programs run through the Florida Housing Finance Corporation.

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

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