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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. And we do the "easy stuff" too!

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.

Feeling stuck?
Leave your email and answer our 3 quick questions — we’ll help you untangle your mortgage options. No pressure, no spam.
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Mortgages Made for Real Life

From unconventional income to creative financing, our specialty and traditional loan options are designed for real life — not just perfect paperwork.

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 Specialty Mortgages + NonQM   Loans 

For self-employed borrowers, real estate investors, ITIN, or borrowers without traditional income. Qualify without tax returns--by using bank statements, P&L statement, 1099, rental income only, or divide eligible assets by as few as 60 months.

 Bridge Loans + Private Money 

Buy a new home before you sell your current home--without needing to qualify for both mortgages at once.

Use multiple properties as collateral to maximize leverage.

Move quickly to acquire new investment properties quickly--then replace with longer-term financing when ready.

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 Jumbo + conventional loans 

These more traditional agency and jumbo loan products are ideal for well-qualified borrowers who can provide traditional documentation. We offer competitive rates--with client confidentiality and fast closing for time-sensitive purchases.

Jackie Cuneo (she/her)

Meet the Face Behind Exception Lending.

With over 15 years of experience in mortgage origination and 21 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.

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Connect with Jackie