Jumbo & Private Wealth Mortgage in Illinois — Up to $20M+.
Whether you're purchasing in Chicago, building in Naperville, or consolidating a portfolio across Illinois — 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.
Illinois'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 Chicago, a business owner building in Naperville, or a foreign national investing in Illinois real estate — his lender offers portfolio lending solutions unavailable through retail channels.
Executives & C-Suite
RSU, stock options, and deferred compensation counted as qualifying income for Illinois purchases.
Business Owners
Self-employed with complex write-offs? We look at cash flow, not just your 1040. Ideal for Illinois entrepreneurs.
Foreign Nationals
Non-resident buyers purchasing Illinois 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 Illinois investment portfolios.
No arbitrary cap — structured to your net worth
No private mortgage insurance, ever
Asset-based qualification and residual income analysis
The lender keeps your loan — relationship banking
Sean vs. Typical Illinois Jumbo Lenders
Most Illinois lenders offer jumbo loans. Very few offer private wealth lending strategy.
Luxury Markets Across Illinois
Sean works with high-net-worth borrowers in every Illinois market — and nationwide.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Chicago.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Naperville.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Springfield.
Private Wealth Mortgage FAQ — Illinois
What are the jumbo loan limits in Illinois?
Can I use asset depletion to qualify in Illinois?
Can I purchase a Illinois property in a trust or LLC?
Does Sean work with foreign nationals buying in Illinois?
Can RSU and stock income qualify me for a Illinois jumbo loan?
Are interest-only jumbo loans available in Illinois?
How many investment properties can I finance in Illinois?
How does rate renegotiation work?
Ready for a private wealth mortgage in Illinois?
Book a confidential 20-minute strategy call with Sean. No obligation. No junior staff. Direct access to 30+ years of private wealth lending expertise.
Know Illinois before you borrow
How closings work in Illinois
Attorneys handle contract review and closings in the Chicago area; downstate, title companies are more common. Transfer taxes are stacked at the state, county and often city level.
Taxes and transfer costs
Cook County property taxes are assessed on a cycle with an active appeals culture, and bills are paid in arrears, so the tax proration at closing is a real negotiation item.
Insurance that shapes the file
Basement and sewer-backup coverage matter more here than wind; river towns carry flood-zone requirements.
Where people are buying
Chicago · the North Shore and northwest suburbs · DuPage County · Springfield · Champaign-Urbana. First-time and lower-down-payment programs run through the Illinois Housing Development Authority (IHDA).
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Illinois →