Private Wealth Mortgage · Massachusetts

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

Whether you're purchasing in Boston, building in Cambridge, or consolidating a portfolio across Massachusetts — 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 Massachusetts

Massachusetts'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 Boston, a business owner building in Cambridge, or a foreign national investing in Massachusetts 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 Massachusetts property goals.

Custom Structure

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

Business Owners

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

Foreign Nationals

Non-resident buyers purchasing Massachusetts 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 Massachusetts 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 Massachusetts Jumbo Lenders

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

Feature

Working With Sean

Retail Jumbo

MA 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 Massachusetts

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

Boston, MA

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

Cambridge, MA

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

Worcester, MA

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

Private Wealth Mortgage FAQ — Massachusetts

What are the jumbo loan limits in Massachusetts?

Conforming loan limits vary by county in Massachusetts, 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 Massachusetts?

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 Massachusetts with significant wealth but non-traditional income.

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

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

Does Sean work with foreign nationals buying in Massachusetts?

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

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

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

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 Massachusetts before you borrow

How closings work in Massachusetts

An attorney state: the lender's closing attorney conducts the closing, and buyers usually retain their own counsel for the purchase-and-sale agreement.

Taxes and transfer costs

Property taxes are set town by town, and many towns offer a residential exemption for owner-occupants. Home sales of properties on septic systems require a Title 5 inspection before closing.

Insurance that shapes the file

Coastal and Cape properties carry flood-zone and wind considerations; older housing stock means insurers ask about roof, heating and electrical age.

Where people are buying

Boston and Cambridge · the North Shore · MetroWest · Worcester · Springfield · Cape Cod. First-time and lower-down-payment programs run through the MassHousing.

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

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