Jumbo Financing Solutions Interest Only & Fixed Rate Loans
Tailored Lending for the Affluent Clientele.
Insignia Mortgage excels in orchestrating sophisticated lending solutions for high-net-worth individuals. Our bespoke approach, dubbed Individualized Lending, is crafted to encapsulate the financial complexities of our clients, offering a lending experience that aligns with both lender requirements and borrower financing needs. Our lending relationships are particularly beneficial for real estate investors, retirees, and self-employed individuals, addressing unique challenges such as layered tax scenarios and diverse asset portfolios.
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Our suite of interest-only products is designed for those seeking flexible payment options, who prefer to control the pay-down of principal and who have income that may ebb and flow throughout the year.
Key Features:
- Interest-Only Jumbo ARMs & Fixed Rate Mortgages: Access up to $25 million with as little as 20% down. Features include co-signer options and cross-collateralization.
- Specialized Programs for High-Net-Worth Borrowers: Tailored solutions for taking title in various entities, including LLCs and irrevocable trusts.
- High Leverage Opportunities: Including interest-only options for 1031 exchanges and second homes, with up to 80% LTV.
- Niche Underwriting Expertise: From discounting NOLs and short-term rental income to a one-year tax return program and valuation of non-publicly traded assets. RSUs can also be considered as income and assets.
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For those seeking entry into the jumbo loan market with minimal down payment, Insignia Mortgage offers competitive solutions through trusted banking partners. These programs are ideal for borrowers without significant liquid assets, providing a streamlined path to homeownership or investment property acquisition.
Key Features:
- Competitive Down Payment Options: 5% down up to $1.5 million and 10% down up to $3M, with very competitive rates and terms through portfolio lenders. Mortgage insurance may apply.
- Broad Lender Network: Including local credit unions, regional California banks, and New York money-center banks.
- Flexible Underwriting: Catering to unique financial situations with programs like truly stated income, discounting NOLs, and more.
- Insignia Mortgage: Where Sophistication Meets Flexibility
Our tailored, low down payment jumbo loans are designed to meet your needs, offering a blend of financial flexibility, competitive terms. Contact us today to explore how our maximum leverage financing solutions can complement your affluent lifestyle and investment goals.
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Why Choose Insignia Mortgage for Your Fixed Rate Jumbo Loan?
Extensive Network
Access to a wide range of lenders, from private banks to boutique credit unions and community banks, allows us to find the perfect match for your financial profile.
Tailored Solutions
Whether you’re a first-time homebuyer or part of the ultra-affluent, our jumbo mortgage options are designed to meet your unique needs.
Flexible Financing
We offer jumbo loans from $1.1M up to $25M and beyond, with options for as little as 10% down, co-signor support, and high loan-to-value ratios up to 80% for loans over $10M.
Relationship Discounts
Private banking jumbo fixed rate mortgages with up to ¾ point discount in interest rate for those borrowers willing to bring banking over.
Tailored Lending for the Affluent Clientele
Insignia Mortgage excels in orchestrating sophisticated lending solutions for high-net-worth individuals, navigating the intricacies of large transactions with precision and care. Our bespoke approach, dubbed Individualized Lending, is crafted to encapsulate the financial complexities of our clients, offering a lending experience that aligns with both lender requirements and borrower aspirations. This meticulous process is particularly beneficial for real estate investors, retirees, and self-employed individuals, addressing unique challenges such as layered tax scenarios and diverse asset portfolios.
Our narrative-driven approach effectively communicates your financial story, mitigating risks and highlighting strengths to our lender-partners.
Loan Transaction Spotlight
The Situation: Insignia Mortgage was referred a high-net worth client who was the CEO of a large public entertainment firm with a new home purchase. To mitigate the tax consequences of selling his stock, Insignia Mortgage provided a cash-out departing residence loan for $4 million dollars while also providing $11 million-dollar financing for the purchase.
The Solution: Insignia Mortgage underwrote the cash flow and utilized restricted stock units (RSU) as reserves. A vesting structure was set up to accommodate the client’s request for privacy.
The Loan Details:
- $15 million loan amount
- 5/1 ARM
- 5.750% APR
- Closed in a blind trust
- 25-day close of escrow
From my early career as a sales associate through my years as the owner of a successful Los Angeles-based real estate company, I gained solid respect for the important role a mortgage lender plays in the successful purchase of a residential property. In my experience, Insignia Mortgage consistently accomplished what others could not. I not only use the firm for my personal finance needs but unhesitatingly recommend Insignia to my friends and colleagues.
John Aaroe, Owner, John Aaroe Real Estate
I have done business with Chris Furie for over 20 years and I look to Chris and Damon to source financing on my most complex transactions that require an out-of-the-box lending solution.
Kurt Rappaport, Westside Estate Agency, Wall Street Journal #4 Ranked Realtor 2013
I want to thank you for your help in getting me my loan. You not only got me a great loan that I’m very happy with, but you stayed on it from beginning to end and made me feel very comfortable through the process. You are the best in the business and I would suggest you to anyone buying a house.
Jay Luchs, Newmark Grubb Knight Frank
For over 14 years, I have used Chris’ services to obtain mortgage loans for many of my high-end clients as well as my own mortgage needs. He consistently provides the best terms and rates available in the market place. I will continue to recommend him to my friends and clients in the future.
Joyce Rey, Executive Director Coldwell Banker Previews International
Chris is highly attuned to the needs of the borrower and tailors his loan recommendations accordingly. No matter how complex the terms may be, I can always count on Chris to deliver my clients the best deal possible, on time and without fail.
