Competitive rates, savvy advice, creative expertise. 

We love a good mortgage puzzle.

We’re Exception Lending — a licensed, independent mortgage broker that actually loves a tricky loan.

We partner with Realtors and Financial Advisors to take care of their most valuable clients.

Whether you're buying, refinancing, or navigating a not-so-straightforward situation, we’ve got the tools (and the attitude) to help. We specialize in complex scenarios, serve all of California (especially the Bay Area + Wine Country), and can finance non-owner occupied properties in most states.

How can we help you?
Leave your email and answer our 3 quick questions — we’ll help you untangle your mortgage options. No pressure, no spam.

Jackie Cuneo (she/her)

Meet the Face Behind Exception Lending.

With over 15 years of experience in mortgage origination and 20+ years of supporting clients through real estate transactions, Jackie brings a sharp, strategic mindset to every financing scenario—whether it’s a traditional loan, a complex refinance, or a private money solution. She’s not just here to get the deal done—she’s here to help clients build long-term wealth through smart, big-picture real estate moves.

As a 100% woman- and LGBTQ-owned business, Jackie is proud to serve clients from all walks of life—especially those often overlooked by the mainstream lending world. She provides guidance with care, creativity, and deep expertise.

A former board member of the nation’s first LGBTQ Chamber of Commerce, Jackie continues to advocate for equitable, inclusive access to homeownership and investment opportunities.

Jackie holds a California Real Estate Broker's License and Mortgage Originator License, and has helped hundreds of clients buy and refinance all types of properties since 2005.