Exception Lending

I help homeowners, investors, and self-employed professionals access financing to buy or refinance property, or borrow business funds secured by real estate, even with income/asset profiles that don’t fit traditional mortgage banking guidelines.

Residential, investment, multi-unit properties. Purchase, refinance, bridge financing, fix + flip, interim + construction completion financing, business purpose loans secured by real estate. Loan amounts to $25M+

Primary programs:
* full documentation
* qualify with assets only
* bank statement deposits as income (no tax returns)
* rental cash flow as income (no tax returns; other income/liabilities disregarded)
* equity-based lending (leverage one or more properties for purchase, refinance, or business purpose cash out)

We offer mortgage options ranging from “plain vanilla” mortgages to specialty loans for self-employed borrowers, high net worth individuals, real estate investors, and other clients who may have complex financial profiles. Many clients show little taxable income, own multiple properties, or need to qualify using nontraditional income models.

Sometimes clients simply want an alternative to their current financial institution or bank due to personal or business challenges they wish to keep confidential.

My team and I collaborate with Realtors, wealth managers, family offices, financial planners, CPAs, and family law attorneys to provide mortgage solutions which meet immediate + long term goals.

• Jackie Cuneo
  Broker/Owner
  Phone: (415) 948-5390
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Meetings by appointment only—please call or email to schedule your initial consultation or begin your application online.