High Net Worth Mortgages With Flexible Terms
When the income on your return isn’t the whole picture. Financing for borrowers whose wealth is held rather than earned, on loans to $3.5 Million.*
Four ways to qualify when a pay stub is not the answer.
Substantial assets and a modest tax return are not a contradiction.
- Qualify on assets rather than on documented income, to 85% of value
- Jumbo financing above the conforming limit, to $3.5 Million*
- Interest only structures for borrowers managing cash flow
- Primary residence, second home, or investment property, with the asset based route limited to a primary residence*
- Rental income qualifying on an investment portfolio*
- Purchase, rate and term refinance, and cash out available, though not on the asset based route*
Loans up to $3.5 Million*
Buy, refinance, or take cash out
Primary, second home, or investment property
Asset based, interest only, jumbo, and rental income routes
Interest only generally starts around a 700 credit score*
Fixed and adjustable rate structures available
Which route fits a high net worth or luxury home borrower?
Four different programs, depending on where the money actually sits
The problem is rarely capacity. It is that agency underwriting reads a tax return and stops. Borrowers with substantial assets, business ownership, or a portfolio of property routinely show modest taxable income and get declined by lenders who only know how to read one document.
There is no single high net worth loan. There are four routes, and the right one depends on where your money sits. Assets can be converted into qualifying income. Interest only structures lower the scheduled payment while you keep capital deployed elsewhere. Jumbo financing handles the loan size. Rental income qualifies a property portfolio on the properties themselves.
Financing runs to $3.5 Million across these routes, on a primary residence, second home, or investment property, for purchase, rate and term refinance, or cash out. This page exists to get you to the right route rather than the first one you find.*
Which of these is you?
Four situations, four different programs. Start with the one that sounds like yours.
Assets, Not Income
Qualifying can be built from your asset balances instead of from a tax return.*
Business Owners
Taking little salary out of a profitable business is the single most common profile on this page.
Protecting Your Capital
An interest only structure lowers the scheduled payment so capital stays invested rather than tied up in equity.
Property Portfolios
Rental income qualifying reads the portfolio on its own performance rather than on your personal return.*
Loan Size Alone
Sometimes nothing is complicated except the amount. Jumbo financing handles that on its own.*
Working With Your Advisors
We are used to working alongside a CPA, an attorney, or a wealth manager rather than around them.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers for borrowers whose balance sheet tells a better story than their tax return.
To $3.5 Million across these routes, depending on which one you use, the occupancy, and the property type. Larger requests are worth a conversation rather than an assumption.
Yes, that is the point of the asset based route. Qualifying income can be calculated from your asset balances rather than taken from a tax return, which is the usual answer for retired borrowers and business owners who take little salary.*
Because agency underwriting reads documented income and stops there. It has no mechanism for a large balance sheet paired with a small tax return. That is a limitation of the program rather than a judgment about you, and it is what these routes exist to solve.
It varies by route. Interest only structures generally start around a 700 credit score. Jumbo financing starts lower and rises with the loan amount. A licensed loan officer can tell you which route your profile fits best.
That is usually the real question, and it is what interest only structures are for. They lower the scheduled payment during the interest only period so capital stays deployed. There is a tradeoff: the payment steps up when that period ends.*
Yes. Rental income qualifying evaluates the property on its own income rather than on your personal return, which is generally the cleanest route for an established portfolio.
Routinely, and it usually makes the file go faster. Asset based and portfolio files depend on documentation your advisors already maintain, so involving them early tends to shorten the process rather than complicate it.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton High Net Worth Lending program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.