Super Jumbo Loans
High-net-worth buyers of luxury and estate-class properties.
- NMLS #412470
- Equal Housing Lender
- STELLAR rated on Experience.com
- Serving borrowers nationwide
When the price crosses $3 million, ordinary jumbo financing runs out of room. We arrange super jumbo loans built for luxury estates and the complex, asset-rich profiles of the people who buy them.
What makes it work
Go deeper — guides from Pat
Super Jumbo Loans, explained properly.
Above the charts: lending without a rulebook
Conforming loans follow agency rules; jumbos follow lender guidelines. Cross into super jumbo territory — roughly $2–3 million and up — and the guidelines give way to judgment. Each loan is priced and structured individually, weighing the property, your balance sheet, and how the whole picture fits together. For a cookie-cutter borrower that sounds like friction. For the buyers who actually live at this level — complex income, layered entities, wealth in motion — it’s precisely the opposite: a human underwriter who can say yes to a file no checklist could parse.
Qualifying on the balance sheet, not the paycheck
Very few eight-figure buyers have a salary that “qualifies” for their home — and they don’t need one. Asset-depletion underwriting converts your portfolio into monthly qualifying income mathematically, with nothing liquidated or pledged. Business distributions, trust income, and investment returns all get read in context. Reserves matter as much as anything: a lender wants to see that after closing, you hold months — often a year or more — of payments in liquid assets. Strength is measured in what you keep, not what you spend.
Structures that keep capital working
At this scale, the mortgage is a portfolio decision, not just a housing one. Interest-only periods keep the required payment at its floor so capital stays deployed in your business or markets. Flexible terms accommodate liquidity events — a sale, a vesting schedule, a fund distribution — you know are coming. And because these loans are typically held on the lender’s own books, the structure can genuinely be negotiated: the right file earns bespoke terms. My role is to package your story so the underwriter sees what your advisors already know.
Sound like you? Then this is your program.
The founder & executive
Equity-heavy compensation, modest W-2, an eight-figure net worth — qualified on the balance sheet, not the base salary.
The asset-rich buyer
Living on investments after a sale or retirement — asset depletion turns the portfolio into the paycheck lenders want to see.
The estate & second-estate buyer
The waterfront compound, the ski house, the legacy property — financed so the capital stays invested elsewhere.
The numbers, straight.
$2–3M into eight figures
Individually structured
Assets, income, or blend
Commonly 20–30%
Substantial — months to years
Interest-only available
Primary, second home, investment
Ranges reflect typical scenarios and vary with the full file — they’re a starting point, not a quote or a commitment to lend. Pat will give you real numbers for your situation.
From first call to closing table.
Book a free call
Fifteen minutes with Pat. Your situation in plain English — no forms marathon, no obligation.
Get your real numbers
The program that fits, the terms you'd actually see, and a document list built for your file — not a generic checklist.
Close with confidence
Pat drives the file to the closing table and keeps you ahead of every deadline while you plan the move.
“What made my experience so stellar was Pat Villano. He is exceptional with prompt and clear communication. He works long hours to meet your needs. A rare find these days. Thank you, Pat!”
The questions everyone asks.
Both happen. Some files close as a single super jumbo note; others are structured as a first mortgage plus secondary financing when that prices better. It’s one of the levers we evaluate once the numbers are on the table.
Comparable to any well-run loan — figure 30 to 45 days for most files. The underwriting is deeper, but it runs in parallel, and a complete, well-packaged file up front is what keeps the clock honest.
They require more careful valuation, sometimes two appraisals, but they’re normal territory here. Luxury lending is built around one-of-a-kind properties; the appraisal plan just gets designed early.
Well beyond standard jumbo limits — eight figures is negotiated case by case on the strength of the file. The property, your assets, and the structure drive the ceiling, not an arbitrary chart.
That’s the profile this program is built for. Asset-depletion underwriting converts your portfolio into qualifying income, so a complex balance sheet reads as strength instead of a complication.
Yes — interest-only and other flexible structures are common in super jumbo lending, often to keep capital deployed elsewhere. We’ll design the payment structure around your broader financial strategy.
Have a different question? Read the full FAQ or call Pat directly.
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