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Private Mortgage Banking

Super Jumbo Mortgage Services for Luxury Real Estate

Private Mortgage Banking offers a wide array of super jumbo mortgage products and luxry home financing options, including adjustable rate super jumbo mortgages (ARMs), fixed rate super jumbo mortgages, interest-only super jumbo loans, super jumbo construction loans, and many others.

In order to meet the needs of our sophisticated luxry real estate clientele and business partners, we provide numerous unique high-end super jumbo loan programs. The following is a sampling of our offerings:

  • Portfolio lending
  • No pricing adjustment on up to $10 million for some Private Mortgage Banking partners
  • Up to 100% financing via dual collateral or cross collateral programs
  • Lending to corporations and variety of trusts including blind trusts
  • Full documentation only or use of “asset depletion” of liquid assets for loan qualification purposes
  • Ladder/Structured financing via two first trust deeds (i.e., 10/1 interest-only ARM and 5/1 interest-only ARM)
  • Relationship-Based pricing on luxury home loans
  • No maximum loan amounts and no cash-out limits
  • Construction lending (land, construction-to-permanent)
  • No prepayment penalties on luxury home loans
  • Up to 60% debt-to-income ratio on “double carry” purchases
  • Super jumbo loans for co-ops
  • Super jumbo lending in all 50 states
  • Commercial lending
  • Bridge loan financing
  • Stated income loans
  • Super jumbo l oans for foreign nationals
  • Foreign currency mortgage loan program
  • Vesting/Title structured to accommodate sophisticated requests (partnerships, limited liability companies, and most trusts)
  • Complimentary Mortgage Reviews – Annual review of borrower’s credit and financial position to ensure optimal financing, based upon current and forecasted market conditions
  • Privacy Assurance Service
  • 1031 exchanges and reverse 1031 exchanges