Jumbo & Private Wealth Mortgage in Texas — Up to $20M+.
Whether you're purchasing in Houston, building in Dallas, or consolidating a portfolio across Texas — 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.
Texas'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 Houston, a business owner building in Dallas, or a foreign national investing in Texas 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 Texas purchases.
Business Owners
Self-employed with complex write-offs? We look at cash flow, not just your 1040. Ideal for Texas entrepreneurs.
Foreign Nationals
Non-resident buyers purchasing Texas 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 Texas 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 Texas Jumbo Lenders
Most Texas lenders offer jumbo loans. Very few offer private wealth lending strategy.
Luxury Markets Across Texas
Sean works with high-net-worth borrowers in every Texas market — and nationwide.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Houston.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Dallas.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Austin.
Jumbo and private wealth mortgage solutions for luxury homes and investment properties in San Antonio.
Private Wealth Mortgage FAQ — Texas
What are the jumbo loan limits in Texas?
Can I use asset depletion to qualify in Texas?
Can I purchase a Texas property in a trust or LLC?
Does Sean work with foreign nationals buying in Texas?
Can RSU and stock income qualify me for a Texas jumbo loan?
Are interest-only jumbo loans available in Texas?
How many investment properties can I finance in Texas?
How does rate renegotiation work?
Ready for a private wealth mortgage in Texas?
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 Texas before you borrow
How closings work in Texas
Title companies run closings statewide, and the seller customarily pays for the owner's title policy. There is no state income tax.
Taxes and transfer costs
With no income tax, property taxes carry more of the load and are higher than most buyers from other states expect. The homestead exemption matters, and the Texas constitution places its own limits on home-equity and cash-out lending that do not exist elsewhere.
Insurance that shapes the file
Hail and wind drive premiums across the state; coastal counties rely on the Texas Windstorm Insurance Association for wind coverage and often need flood insurance too.
Where people are buying
Houston · Dallas–Fort Worth · Austin · San Antonio · the Rio Grande Valley. First-time and lower-down-payment programs run through the Texas Department of Housing and Community Affairs (TDHCA).
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Texas →