Super Jumbo and Luxury Loans

Super Jumbo and Luxury loan amounts range from $3,000,000 up to $30,000,000. These super jumbo loans are aimed squarely at high end real estate in high cost areas and luxury assets. They are generally financed through a Portfolio Lender. These often differ from typical retail bank lenders such as PNC, Bank of America, TD Bank, and others.

Portfolio Lenders are generally not accessible to the general public for a mortgage loan. They typically use their own guidelines to underwrite their own specific mortgage product that they offer.

With that being said, a portfolio mortgage lender also provides flexibility and common-sense underwriting. Traditional mortgage lending tends to be a fairly rigid process. Portfolio Lenders use their flexibility to remain open to different scenarios that cannot be funded by mainstream lenders.

It is worth noting, though, that Portfolio Lenders are NOT hard money lenders. They offer competitive packages for high income earners for portfolio home loan borrowing.

While a Portfolio Lender does not simply lend hard money, they do offer additional benefits. This could include a broadened portfolio of offerings, such as Construction Loans. These are intended specifically for large scale, high valued properties. This could also include competitive super jumbo loan rates, when compared with traditional loans.

Not every kind of borrower potentially qualifies for lenders servicing super jumbo and luxury loans. However, the borrowers who do qualify are sure to reap the benefits. Below, learn more about portfolio home loan benefits for luxury home acquisitions. Our program details will outline why working with super jumbo lenders might be right for you.

Luxury Loans Program Highlights

Lending Details

Super jumbo lenders can offer competitive benefits not found in any other lending product:

  • Loan amounts up to $30,000,000
  • 90% LTV considered with pledge assets
  • 100% LTV considered with cross collateralization
  • Higher DTI ratios considered
  • Interest only options available
  • Privacy mortgage for the utmost confidentiality
  • Vesting in trust, sub S corporations,LLCs and partnerships allowed
  • Foreign National Lending
  • Qualify with bank statements (versus credit score pulls)

Flexible income considerations for Luxury Loans

With Documentation and Underwriting Aapproval from Super Jumbo Mortgage Lenders

Borrowers looking to work with a Portfolio Lender can leverage these luxury home loan product-specific benefits:

  • Capital gains income allowed
  • Business assets used for down payment/reserves
  • Post close liquidity as additional income source
  • Cash loan proceeds used for reserve requirements
  • 1 year tax returns/P&L income calculation considered
  • Maximized net rental income with reduced adjustment calculation (5 or more properties)

All Scenarios Welcomed

From high valued homes to luxury estates, each borrower’s scenario is different. That is sort of par for the course with the super loan mortgage product and with luxury home loans in general.

But while some prospective borrowers might find they are exempt from the luxury loans process, more qualify than you might think. This is why we’ve designed a process specifically for these nuanced borrowers.

We take an individual’s specific scenario into account throughout the process. First, we ask for the typical standard documentation that is required by the common mainstream loans. This helps determine any and all assets for consideration alongside any risks or debts that need to be identified.

From there, we work backwards for what can or cannot be provided. We would then determine the best successful scenario to present to the lender on your behalf.

Ultimately, our goal in working with clients is to offer products and services of tangible value. We will specifically document your portfolio and present you and your scenario to a prospective lender. With the right collateral and documentation, you can expect a lender to successfully fund your luxury loan.

Most clients that are engaged with luxury home loans are of high net worth. As such, their Privacy is respected throughout the process and is strictly enforced. Borrowers engaging with the luxury mortgage loan process should not fear privacy concerns.

Begin Your Portfolio Lender Home Loan Journey

The world of luxury real estate can be daunting without the right information and preparation. This is why it is so critical to bring in a partner you trust throughout the process.

For borrowers looking to explore the exciting possibilities of super loan mortgage offerings, plan to do your homework first. It’s often best to first determine one’s pre-qualification. Pre-qualifying for super jumbo loans cuts the first step out of your borrowing process. It also makes the super jumbo loan rates process go more smoothly with your mortgage lender.

This means, if you qualify, you’re ensuring you’re talking to super jumbo mortgage lenders you can actually work with. And this means more time ultimately spent talking about specifics about your luxury home loan with your portfolio mortgage lender.

To determine your pre-qualification level for a super loan mortgage, use our PreQualify calculator tool and prequalify yourself.


This Privacy Statement describes the online information collection and use practices of the Website (“UML”) and its corporate divisions and business affiliates. This Privacy Statement does not in any way describe UML’s offline information collection and use practices, or the practices UML employs when collecting information online through means other than the above-listed Website. An example of such additional information collection practices includes but is not limited to you as a customer of Unlimited Mortgage Lending, L.L.C., or site user sending UML an email message. “We” or “us” or “our” or “UML” refers to and its owners and/or affiliates. UML is strongly committed to protecting the Privacy of our customers.


The Children’s Online Privacy Protection Act of 1998 is a United States federal law, located at 15 U.S.C. §§ 6501–6506.

The the following explains our practices with respect to the online collection and use of personal information from children under the age of 13, and provides important information on your rights under federal law with respect to such information:

We do NOT knowingly collect personally identifiable information from children under the age of 13. We screen users who wish to provide personal information in order to prevent users under the age of 13 from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of 13, we will immediately delete such information from our records. If we change our collection practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of 13. If at any time we establish or begin providing services on any website that in anyway meets the criteria of COPPA, we will ensure that full compliance is met in every aspect of COPPA.

Due to the fact we do NOT collect any personally identifiable information from children under the age of 13 we also do NOT knowingly distribute such information to any third party.

We do NOT knowingly allow children under the age of 13 to become customers, or otherwise, distribute personally identifiable contact information.

Due to the fact we do NOT collect any personally identifiable information from children under the age of 13, we do NOT condition the participation in any online activities of a child under the age of 13 on providing personally identifiable information. However, even as outlined above we do NOT knowingly allow children under the age of 13 to access and use in general.


UML its divisions and affiliates are committed to protecting your Privacy. This Privacy Statement is current as of the updated date listed above and sets forth our current privacy practices with regard to the information we collect when you or your computer interacts with our Website (s). By accessing or any affiliates or divisions, you as the end-user viewing this information and/or Website acknowledge and fully understand UML’s Privacy Statement and freely consent to the information collection and use practices described in this Privacy Statement. By submitting information to UML through this Website or otherwise, you are making an inquiry as to lending programs and services offered by UML and give UML permission to contact you through Email, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.

If UML makes any substantive changes to this Privacy Statement we will announce it on our Website (s) and revise the current date listed. If you have provided us with the contact information, we will send you a notice to the email address we have on file for you. UML will not be responsible for inaccurate or outdated email addresses when supplying Privacy Statement updates. If you have any questions or concerns regarding this policy, contact us at Once the changes have been made, your continued use and/or access of the Website will constitute your acceptance and consent to the information collection and use practices described in the revised Privacy Statement.

4.) PARTICIPATING ADVERTISER AND MERCHANT POLICIES may contain links to websites owned and operated by unaffiliated third parties. These links are provided as a service to you as a customer and/or user and do not constitute UML’s endorsement or support of the third-party websites or the information or content contained within the third-party web sites. Related services and offerings with links from this Website have their own privacy statements that can be viewed by clicking on the corresponding links within each respective Website. Unaffiliated third parties who provide information and links through UML are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards Privacy. However, since we do not have direct control over the policies or practices of participating merchants and other third parties, we are not responsible for and do not endorse the privacy practices or content of those sites. We recommend and encourage that you always review the privacy policies of any third parties before you provide any personal information or complete any transaction with such parties. Please contact each third party provider directly if you have any questions about their privacy policies or the information they require for you to complete any transaction.


UML collects certain information from and about its customers and users, subject to the provisions as outlined in Section 2 above, in the following ways which include but are not limited to: directly from our web server logs and from cookies. also collects information volunteered by you in several areas, including loan applications, mortgage information requests, account pages, logins, site registrations, and surveys. Certain information we request for you to participate in certain features within the website(s) may include but not be limited to personally identifiable information such as name, address, telephone and fax numbers, email address, and billing information. We will at all times inform you at the time we collect information, whether the information requested, is necessary for you to participate in a particular feature or access a particular product on the website(s).

We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including but not limited to, the following:

To fulfill your service requests for loan processing, services or funding authorizations

To respond to legal process including a court order or comply with federal, state or local law

In connection with a merger, acquisition, or liquidation of UML or its affiliates and business divisions

The information collected may also be used to respond to specific requests by you including sending you periodic information and special offers from UML or its affiliates and our sponsors and/or advertisers, to provide you with updates on offerings and features, to provide you with product information from affiliates in database, to provide notice of changes to Terms of Use and Privacy Statement. The information provided by you may also be used to better understand customers’ interests and usage behavior, and maybe collected and/or combined with information from affiliates of UML online or offline sources.

We may also supply the information you provide, on a strictly confidential basis, to service providers, such as title companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, closing and servicing your loan.

Credit Report Data: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliates only to process your loan application.

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When you visit our Website (s), we may track information to administer the Site and analyze its usage. Examples of information we may track include:

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I.P. addresses are collected for system administration purposes and for use in studying how people use our Site (s) and how UML can improve the use of the Site. UML may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

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Unlimited Mortgage Lending, LLC, respects your rights to privacy. We treat you the way we want to be treated. Please be advised that we have strict rules that forbid us from providing any of your information to any third party. We are governed by Regulation P, which states that no NON-PUBLIC information is to be provided to any persons/entities that are NOT involved in procuring a mortgage on your behalf.


The information that you provide to Unlimited Mortgage Lending, LLC either via the website, email, phone, SMS, and or any other digital means will not be shared.


As a standard practice, we do not provide any of your information to anybody who is not engaged by Unlimited Mortgage Lending, LLC in securing a residential loan on your behalf. We do not sell any information to any third parties. Unlimited Mortgage Lending, LLC has no affiliates and is a privately held company. For more information about our privacy policy please Go to