Luxury and estate properties above the conforming limit require jumbo or super-jumbo financing, and often a lender comfortable with unique property types, guest houses, and complex borrower profiles. High-net-worth borrowers can also qualify through asset-based programs when income doesn't follow a traditional W-2 structure.
Fixed, ARM, and interest-only structures above the conforming limit for luxury purchases and refinances.
Qualify using liquid investment assets instead of W-2 income — common for retirees and business owners.
For business owners whose tax returns don't reflect true cash flow, 12-24 months of deposits can qualify.
Access equity in a current home to move quickly on a luxury purchase before your existing home sells.
Unique properties, guest houses, and estate features require appraisers experienced with luxury comparables.
Jumbo and super-jumbo programs typically require more months of reserves than conforming loans.
Complex borrower profiles and unique properties move faster with a lender who's structured similar deals.
See the five pathways self-employed and high-net-worth borrowers use to qualify.
See Self-Employed Mortgage Options →Private consultation with Kelly or Ray Nadeau. Discreet, direct guidance for complex luxury financing — no obligation.
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