Many times over the years we have helped high-net worth clients achieve their goals with real estate, buying properties they thought may be out of reach because of their unique income structure or needs. Let’s walk through a recent success story with one of our clients, a high-net worth borrower who is self-employed and wanted to finance a luxury property in Irvine. What may have seemed out of reach with conventional financing was totally achievable with the solutions we offered.
The Client
A successful high-net worth entrepreneur was in the process of using a 1031 exchange to purchase an $8,000,000 luxury home in Irvine, California. Like many affluent buyers, their income was substantial, but came from multiple business ventures. That made traditional mortgage
qualification a challenge. They came to us looking for a way to secure the jumbo loan they needed without using the traditional income verification methods that simply didn’t show their true earning power.
The Challenge
Despite a strong overall financial profile, the borrower’s income didn’t fit neatly into traditional W-2 documentation. They had multiple business entities, passive income streams, and fluctuating cash flow. Most lenders would have either declined the loan outright or caused weeks of delays while attempting to make the numbers fit conventional underwriting guidelines.
The Solution
At Summit Lending, we understand that jumbo loans aren’t one-size-fits-all. In fact, we have a unique expertise in creating a set of terms that ideally suit a unique high-net worth borrower. My team and I structured a tailored financing plan for these clients in Irving using a combination of:
- Bank statement program to document income in a way that reflected the client’s true earning capacity
- Asset utilization strategy to leverage liquid and investment assets for qualification
- Partnership with a private investor-friendly lender open to creative underwriting
We were able to create a solution that totally surprised our clients and allowed them to purchase the property they were dreaming of. These are the key advantages we delivered:
- Competitive jumbo loan rate
- Fast approval turnaround
- Zero stress for the buyer or their real estate agent
The Result
This was a total success story. The buyer successfully closed on their $8 million California dream home—and investment property—on time and on budget. The loan was designed specifically for their unique income structure, allowing them to move forward without unnecessary delays or underwriting hurdles.
Why This Matters
You may see some similarities between this client and your own needs. If you do, we have a unique combination of experience and resources to support you. High-net-worth and self-employed buyers often face unique challenges when securing large-scale financing. Income may come from multiple sources, investments, or fluctuating business profits—none of which fit into traditional mortgage checkboxes.
With the right lending partner, these challenges become opportunities instead of roadblocks. At Summit Lending, we specialize in helping entrepreneurs, real estate investors, and self-employed professionals get approved with confidence—even for complex jumbo loans.
Want to learn more about how we help our high-net worth clients find the financing that best aligns with their needs? Contact us any time to apply for a loan or talk with an expert.
