High-Net-Worth Lending
Mortgages for High-Net-Worth Borrowers
A wholesale mortgage broker built for borrowers whose balance sheet is more interesting than their pay stub. Jumbo, super-jumbo, asset-qualifying, pledged-asset, equity comp, trust and LLC vesting, bridge, and pre-IPO scenarios - all priced across the wholesale channel.
Programs we work with
Asset-Qualifying / Asset Depletion
Qualify on liquid assets rather than W-2 income. Useful for early-retired borrowers, founders post-exit, and anyone whose balance sheet is stronger than their pay stub.
Pledged Asset Mortgage
Pledge a portion of your taxable brokerage account as supplemental collateral. Avoid PMI, avoid selling appreciated stock, sometimes finance up to 100% LTV.
Jumbo + Super-Jumbo
Loan amounts above the conforming limit, from standard jumbo through super-jumbo. We shop dozens of specialty jumbo investors against private bank pricing.
Bank Statement
Qualify with 12 to 24 months of personal or business bank statements instead of tax returns. Built for self-employed, founders, and complex small-business income.
Foreign National Investor Loans
dscrdirect.netFor non-U.S. residents financing U.S. investment property. Handled on our DSCR investor site (dscrdirect.net) where the product lives.
Equity Compensation
RSU, ISO, NSO, and bonus income that confuses most lenders. We work with lenders going to program minimums for documentation of equity comp.
Trust / LLC Vesting
Closing in the name of a revocable trust or single-member LLC, plus the documentation conditions lenders actually require.
Bridge for Luxury Moves
Close on the new home before selling the existing one. Short-term financing designed around the timing of a high-end move.
Pre / Post-IPO Strategies
Mortgage timing around a liquidity event: pre-IPO with equity comp, lockup, secondary sales, and the structures that bridge the gap.
What makes HNW lending different
Documentation complexity
Income is rarely a clean W-2. K-1s, RSU vesting schedules, deferred compensation, partnership distributions, and capital gains all need to be documented, classified, and weighted correctly. The lender choice matters because overlays vary widely on the same agency guidelines.
Pricing is not what most HNW borrowers assume
The common assumption is that assets under management produce a meaningfully lower mortgage rate. Sometimes yes, but often the private bank rate is not the most competitive price available. See our private bank vs broker comparison for the honest version.
Liquidity vs leverage tradeoffs
Cash is rarely the optimal source for the down payment. Pledged assets, margin, asset-based qualifying, and timing around a liquidity event each have different cost and tax consequences. The right structure depends on your portfolio, tax bracket, and hold horizon, not on the lender’s default product.
Title and vesting matter
Closing in a revocable trust or a single-member LLC has real benefits for estate planning and asset protection, but lenders apply specific documentation requirements. Doing it wrong forces a re-deed after closing.
We work with both sides of the wealth picture
High income, high assets, complex compensation, or all three. Our job is to match the structure of the loan to the structure of the borrower, then price it across the wholesale channel. We also write a candid comparison of the wholesale broker channel against the private bank channel so you can decide on total cost rather than on relationship.
See Private bank vs broker for an itemized comparison of where each channel actually wins.
Credentials
Jennifer Kirby, NMLS# 2672337. Licensed mortgage broker / loan originator, with wholesale lender relationships across the country. Nationwide footprint. We operate as wholesale brokers, which means our compensation is published in the rate sheet rather than added on retail, and we shop the full wholesale market on every scenario.
Price an HNW scenario
For conventional and standard jumbo, the live pricer returns current wholesale pricing. For pledged-asset, asset-qualifying, super-jumbo, bridge, and pre-IPO scenarios, email a brief description and we will price it through the right lender set.
Rates, eligibility, and program guidelines vary by lender and are subject to change. This page is general educational information and is not a commitment to lend or an offer of credit. Tax and investment strategy implications should be discussed with your own financial, tax, and legal advisors. Equal Housing Opportunity.