Introducing Private Client Portfolio, a program designed for the unique needs of well-qualified high net-worth individuals.

Many traditional bank loans are fraught with restrictions that do not always apply to individuals with a significant level of financial sophistication, often resulting in a needless loan denial, even when it seems clear that the applicant should qualify.  

This is not a traditional bank loan underwritten by a machine. Machines are not equipped to account for the nuances of a well-developed financial portfolio.  

This loan is carefully hand-underwritten by our most experienced underwriters to take into account the applicant’s entire financial profile.

Some features include, but are not limited to, the following:

• Larger loan amounts: Loan amounts up to $20MM.

• Close in the name of a Trust or LLC: Yes, subject to conditions.  Consult loan originator for details.

• No Credit Score Requirements: We do not use the applicant’s credit scores for the purposes of pricing or qualification. We perform a personalized evaluation of the applicant’s entire credit profile and background.

• Common Sense Underwriting:  Our loan originators and underwriting team proactively seek ways to make an application work, using the applicant’s strengths to balance potential shortfalls.

• Income calculation: This is where high net-worth individuals often run into trouble on a traditional bank loan programs---and this is where we shine.  Unlike the typical bank or credit union, we are very experienced with scenarios like this to ensure that all available income is used to qualify.  

• Flexible Asset Depletion Calculation: Many high net-worth clients tend to have significant liquidity in their accounts, but sometimes lack the necessary income on their tax returns to qualify for a traditional bank loan. Our unique formulation of income allows us to calculate over 33% more income for qualification purposes than a conventional loan, and that can make the difference between a loan approval and a loan denial.

• No Escrow Account Requirement: We do not manage escrows for property taxes or homeowners insurance.  Only homes located in FEMA-designated Flood Zones are required to escrow.  

• Non-typical income types accepted on a case-by-case basis:

  • Newly Self-Employed • Newly- 1099’d • High-Dollar Employment Contract Work (Entertainers, Professional Athlete, Law Firm Partner, etc.)

This is not a commitment to lend.  Not all borrowers will qualify for the loan programs listed.  All program terms and conditions are subject to change and may be discontinued without prior notice.  Contact loan originator for program questions and scenarios.  

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