Super Jumbo Loans & Multi Million $ Mortgages

Purchase or Refinance Multi Million Dollar Real Estate with Ease at R1 Private Client Group

Borrow $1 Million to $40 Million or More & Receive Personalized Service in a Super Jumbo Mortgage Program

ELG Vertical Markets Group is Hiring Loan Officers for Opening Positions in 45 States. FHA/VA/Reverse/JUMBO/Commercial

Super Jumbo Mortgages are defined broadly as mortgages ranging from $650,000 to $40 Million or more.  Banks deem these loans "non-conforming", however these multi million dollar loans are necessary to allow the self employed, business owners, and high net worth individuals to purchase, invest in and refinance to pull profits out of residential property without substantial cash outlays which might necessitate the liquidation of performing, income generating assets. 

Conventional financial institutions, banks, and brokerages, have traditionally lacked the ability to aggressively underwrite super jumbo mortgages, as they lack the experience and expertise required to successfully execute these transactions to multi-million dollar loan amounts.  This failing is due in part to the very low volume of super jumbo mortgage business any individual bank or brokerage transacts in a given year, and is compounded by the fact that they remain focused on their core mortgage businesses, which target a more easily documented wage earning client base.  They simply don't possess the tools and personnel to properly analyze and manage the risks involved with super jumbo mortgages, and have for the most part chosen to respond with very conservative mortgage offerings for their high net worth clientele, characterized by low loan to value ratios, large down payment requirements, and rigid income documentation standards.

Introducing the Million Mortgage™ Super Jumbo Loan Program

Amazed by the lack of knowledge about super jumbo mortgage finance exhibited by even the most seasoned conventional lenders in their personal real estate dealings, R1's management team chose to organize the R1 Private Client Group.  Drawn from across the investment banking, hedge fund and real estate industries, the team designed R1's Private Client Group from the ground up to meet and exceed the super jumbo mortgage needs of high net worth individuals by doing deals that "make sense" instead of remaining in the shelters of conventional jumbo mortgage underwriting.  The unit has grown from a referral-only boutique offering serving the principals' nearest and dearest into a robust, full service practice handling the real estate financing affairs of the public, including some of the nation's most notable families, with complete discretion and a breadth of super jumbo financing options into the multi-million dollar range.  Through its Alliance Program, numerous family offices, financial advisors, builder/developers and real estate agents from across the USA have made R1 Private Client Group the "go to" super jumbo mortgage company for a broad array of clients ranging from business owners to athletes, entertainers, industrialists & persons of multi-generational wealth.

Compare R1 Private Client Super Jumbo Mortgage to Traditional Lenders

Issue Traditional Lenders R1 Private Client Advantage
Maximum Loan Amount $1MM to $2 Million $1MM to $40 Million+ Million Mortgage™
Maximum Loan to Value 50% to 60% CLTV up to 95% CLTV Million Mortgage™
Maximum Cash Out $100K to $250K Unlimited* Million Mortgage™
Interest Only Option No Yes Million Mortgage™
Cash Flow Payment /
Interest Deferral Option
No Yes Million Mortgage™
Time to Process & Fund up to 90 days 30 days (average) Million Mortgage™
Risk Tolerance Very Conservative Aggressive Million Mortgage™
Stated Income Documentation No Yes Million Mortgage™
No Income Documentation No Yes Million Mortgage™
Pledged Asset 100% Financing No Yes Million Mortgage™
Allow Passive Income No Yes Million Mortgage™
Mortgage for Business Owners Limited Yes Million Mortgage™
Mortgage for Self Employed Limited Yes Million Mortgage™
Trusts, LLCs & Corporations Limited Yes Million Mortgage™
Finance Unique Properties No Yes Million Mortgage™
Refinance Vacation Homes Limited Yes Million Mortgage™
Refinance Investment Property No Yes Million Mortgage™
Refinance Agricultural Property No Yes Million Mortgage™
Buy International Real Estate No Yes Million Mortgage™
Integrate with Estate Planning, Financial Advisors, Family Office Limited Yes Million Mortgage™
Minimum Credit Score Yes No Million Mortgage™

 Return to Top | Go to Articles 

1%* Super Jumbo Mortgages: $650K to $40 Million

Feeling Like a Square Peg in a Round Hole? Super Jumbo mortgage lending is a highly specialized field, requiring a level of expertise gained only through the experience of handling a large number of multi-million dollar transactions.  If you're tired of lenders trying to "fit" your unique financial needs into their conventional lending comfort zone, consider becoming a Private Client of R1 Envision Lending Group.

Get More Information from the Super Jumbo Experts. Call (800)290-4770 or Fax (800)517-7095

Where is Your Home?   How Much is it Worth?
How Can We Help You?   Desired Loan Amount
Your Last Name   Your Phone Number --
 I have read & agree to the site's terms & conditions

News & Articles

Pledged Asset Mortgage

May 20th, 2007

Pledged Asset Loan programs are a little known but amazingly effective alternative to liquidating one’s personal or business assets to make a down payment on a jumbo or super jumbo residential mortgage. Also referred to as Asset-Integrated or Asset-Backed mortgages, pledged asset mortgages enable borrowers to purchase luxury real estate with little or no money down without incurring withdrawal penalties, capital gains taxes, or loss of appreciation or passive income from their existing investments.As if those aren’t enough reasons to evaluate pledged asset jumbo loans, pledging your assets can also save tens of thousands of dollars a year by allowing you to eliminate the need for private mortgage insurance, or PMI.While you probably won’t find a pledged asset mortgage loan program at your bank, they are available in most states through mortgage companies who specialize in handling high net worth clientele.  Updated 09/15/2007

Normally, if you are purchasing a new house, vacation home or rental property, especially if the purchase price of the property is over $1 million, chances are your bank will ask you to put some cash down.While most lenders require borrowers to make down payments in cash, very few borrowers keep that much cash in checking or savings accounts earning little to no interest.Instead, the typical jumbo or super jumbo mortgage applicant’s assets are wisely invested in well rounded portfolios of stocks, bonds, mutual funds, ETFs, commodities and other exchange traded asset classes which tend to deliver a rate of return substantially in excess of the interest on a typical mortgage loan. Liquidating such assets can result in significant penalties on assets with maturity dates and exit or early withdrawal penalties.Even worse, short term capital gains taxes can drastically increase the cost of making a cash down payment.

Why consider a Pledged Asset Mortgage for Your Next Jumbo Loan?

  1. Lower Cash Down Payment
  2. Investment Returns vs. Mortgage Interest
  3. Maintain Control of Investment Decisions
  4. Benefit from Passive or Investment Income
  5. Avoid Capital Gains Tax on Liquidation
  6. Eliminate Private Mortgage Insurance

How Does a Pledged Asset Mortgage Work?

Let’s say you’re buying a 2 million dollar home.A typical down payment required for a borrower with excellent credit would be 20% of the contract sales price of the home, or $400,000.In a conventional bank loan, the borrower would have to liquidate $400,000 from his investments which could cost as much as $580,000 after capital gains taxes, not including any penalties for withdrawal.In a pledged asset program, you would pledge, or set aside $400,000 in assets as collateral.While programs vary, the assets pledged as collateral may generally be stocks, bonds, mutual funds, ETFs, certificates of deposit, certain exchange traded commodity portfolios, and more.The mortgage company will hold the pledged assets, however the borrower retains control of the assets and can freely trade inside the collateral account.Income generated from within the collateral account, be it divided, interest or capital gain may be moved out into the borrowers other account or taken as profit.In fact for the most part, a pledged asset mortgage allows borrowers all the flexibility of making a cash down payment along with all the control of managing their own money inside their existing investments.

UPDATE: Market Conditions affecting mortgage backed securities and other credit instruments and derivatives have significantly impacted the ability of most financial institutions to make super jumbo mortgages. Many have responded by drastically increasing the level of down payment required as well as requiring full documentation of the borrowers’ income. Pledged asset mortgages and other niche, private bank products have seen a tremendous resurgence in demand as a result of these constraints on the conventional lending industry.

For more information about how pledged asset mortgages can help make your next $1 million to $40 million dollar luxury home purchase or super jumbo cash out refinance with little to no money down or in reserve, contact the super jumbo mortgage specialists at R1 Private Client Group.

1%* Super Jumbo Mortgages: $650K to $40 Million

Feeling Like a Square Peg in a Round Hole? Super Jumbo mortgage lending is a highly specialized field, requiring a level of expertise gained only through the experience of handling a large number of multi-million dollar transactions.  If you're tired of lenders trying to "fit" your unique financial needs into their conventional lending comfort zone, consider becoming a Private Client of R1 Envision Lending Group.

Get More Information from the Super Jumbo Experts. Call (800)290-4770 or Fax (800)517-7095

Where is Your Home?   How Much is it Worth?
How Can We Help You?   Desired Loan Amount
Your Last Name   Your Phone Number --
 I have read & agree to the site's terms & conditions
Home Page | Informative Articles | Contributed Articles | How Much Do I Qualify for? Find Out Now! 
Copyright © 2005-2007 Centuriant LLC. All Rights Reserved. By viewing this Website, you agree to the site's Terms & Conditions.
RefinanceOne is a trademark of Centuriant LLC.   The views expressed on this site are not necessarily those of  Centuriant  LLC

Links: Fixed Rate Refinance | ARM Adjustable Rate Mortgage Refinance | Fixed Option ARM | 30 Year Fixed Rate Refinance | Loan Documentation | One Percent Mortgage | Luxury Home Loan | Super Jumbo Mortgage | Fixed Option ARM | Quit Claim Deed |Jumbo Lender | Million Dollar Loan | Pledged Asset Mortgage | Asset Based Mortgage

Pledged Asset Mortgage
Property Location
Property Value
Loan Amount Desired
What is Your Goal?
Your Last Name
Your Phone Number
- -
 
 I agree to the terms