For High-Net-Worth Individuals
Jumbo Loansfor high-net-worth individuals.
A private-wealth mortgage experience. For every borrower. Portfolio mortgages above the conforming limits, with white-glove service from application to closing and loan amounts to $20 million.
No SSN or hard credit pull to start. No obligation.
4.9 from 44 reviews
NMLS ID 2653540
Do you qualify?
The real thresholds for this program and profile, stated up front. Outside one of them? A senior mortgage banker can usually structure another path.
600+
credit score
As low as 600. Program minimums vary.
5%
minimum down
As low as 5% down. Program minimums vary.
55%
max DTI
Up to 55%. Program minimums vary.
$20M
loan ceiling
Loans to $20 million.
Jumbo Loans built for high-net-worth individuals
Financing built around how your wealth actually works - portfolio-aware qualification, interest-only options, and loan amounts to $20 million.
What this program covers
- 5% Down Payment Hybrid-Jumbo Loans up to $1,140,000 purchase price
- Alternative Jumbo Loans that do not require income qualification
- Low-Rate Private-Client Jumbo Loans with exceptional rates
- Super Jumbo Loans over 5 Million, including products that do not require tax returns or traditional income qualification
What we can finance
- Loans to $20 million.
- A 5% down payment jumbo program that allows up to $1,140,000 purchase price. This program has no mortgage insurance. Geographic restrictions may apply.
- Multiple asset based loan programs that only look to liquid assets, with very favorable loan terms.
Unlock luxury financing with our jumbo asset depletion loans. If you have substantial investments but limited reportable W-2 income, we use your existing assets to qualify for high-value mortgages with no need for traditional employment verification.
Every file is structured by a senior mortgage banker before it goes to underwriting, and moves to the fastest close it supports.
Complex income. Uncomplicated process.
RSUs, K1s, trusts, multiple entities. A senior mortgage banker structures the whole picture before it reaches underwriting, so the complexity is handled once, up front.
RSUs and equity compensation
Vesting schedules and equity comp belong in the file. Where the income documentation gets complicated, an alternative jumbo path can qualify you without traditional income qualification.
K1s and pass-through entities
Partnership and S-corp income across multiple entities. Alternative jumbo programs are available that do not require tax returns.
Trusts and asset-based qualification
Multiple asset based loan programs look only to liquid assets, with very favorable loan terms. Jumbo asset depletion qualifies substantial investments without traditional employment verification.
One banker, the full picture
Your file is structured by a senior mortgage banker before it goes to underwriting, and moves to the fastest close it supports.
Our Private Client Process
Our process assigns a dedicated licensed mortgage advisor throughout your home financing journey.
Dedicated Advisor
A licensed mortgage advisor is assigned to guide you through your entire home financing journey.
Specialist Support
Your advisor assigns dedicated specialists to assist with specific needs throughout the process.
Technology & Expertise
We utilize leading technology and best practices coupled with personalized attention.
Senior management is also available should a situation arise needing their expertise or escalation.
Based on 44 reviews
What our clients say
Real reviews from borrowers who closed with HyperSmart.
“I would give Ali and his team 10 stars, if possible. They offer very clever solutions and went above and beyond to help us find a custom jumbo loan. My husband and I also greatly appreciated their depth of expertise and patience to walk us through every step of the process. Can't thank this team enough for making it possible for us to buy our home!”
Sarah Chiu
Google Review
“Frank Martinez at HyperSmart Home Loans was our angel. After nearly loosing our dream home due to THREE TERRIBLE lenders, we found Frank. In just 4 weeks he completely turned the situation around. He worked tirelessly to ensure we were able to close our first home. He was responsive, proactive, considerate, and most importantly, transparent, from start to finish. I know they say to be warry of lender's promises, but you can trust Hypersmart and you can DEFINITELY trust Frank Martinez!”
Gabby Patton
Google Review
“Just an incredibly diligent, hard working and effective group of people. Phillip, Sean, Ali and Kyle were extremely patient, pushing on completion of the loan and through underwriting through all hours of the day. Each person is a clear, quick communicator. They will help you understand the underlying concepts, why there is a blockage (if any), etc. I used HyperSmart for my first home purchase through an alt non-qualified mortgage. In addition, my business is crypto-adjacent. Those three factors (first time, alt non-qualified, crypto-adjacent) makes getting a mortgage very difficult, but they figured it out anyway.”
Hunter Monk
Google Review
See what you qualify for
Takes about a minute. No SSN required. A senior mortgage banker reviews every inquiry.