Jumbo & Private Wealth Mortgage in New York — Up to $20M+.
Whether you're purchasing in New York City, building in Buffalo, or consolidating a portfolio across New York — 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.
New York'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 New York City, a business owner building in Buffalo, or a foreign national investing in New York 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 New York purchases.
Business Owners
Self-employed with complex write-offs? We look at cash flow, not just your 1040. Ideal for New York entrepreneurs.
Foreign Nationals
Non-resident buyers purchasing New York 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 New York 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 New York Jumbo Lenders
Most New York lenders offer jumbo loans. Very few offer private wealth lending strategy.
Luxury Markets Across New York
Sean works with high-net-worth borrowers in every New York market — and nationwide.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in New York City.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Buffalo.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Rochester.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Albany.
Private Wealth Mortgage FAQ — New York
What are the jumbo loan limits in New York?
Can I use asset depletion to qualify in New York?
Can I purchase a New York property in a trust or LLC?
Does Sean work with foreign nationals buying in New York?
Can RSU and stock income qualify me for a New York jumbo loan?
Are interest-only jumbo loans available in New York?
How many investment properties can I finance in New York?
How does rate renegotiation work?
Ready for a private wealth mortgage in New York?
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 New York before you borrow
How closings work in New York
An attorney state: the buyer and the seller each have counsel, and the closing happens at a table with everyone present. Contracts are negotiated by the attorneys after the offer is accepted.
Taxes and transfer costs
New York charges a mortgage recording tax on most mortgages, and New York City adds its own transfer taxes. Co-ops in the city are financed with share loans rather than mortgages, which changes the whole paperwork path.
Insurance that shapes the file
Coastal Long Island, the boroughs, and river valleys carry flood-zone designations that require flood insurance before a loan can fund.
Where people are buying
New York City · Long Island · Westchester and the Hudson Valley · Albany · Buffalo · Rochester. First-time and lower-down-payment programs run through the State of New York Mortgage Agency (SONYMA).
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in New York →