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We love a good mortgage puzzle.

Whether you're buying your first home or your 10th investment property, we know your situation is unique.

Tired of being rushed through the process like a rocket or processed in a factory?
Don't want to use a self-service checkout for one of the biggest financial transactions of your life?
Neither do we. Your financial future deserves more.

We’re Exception Lending — a licensed, independent mortgage broker with over 15 years in the mortgage business and over $500 million in funded loans. We offer a wide variety of loan products, useful and secure digital tools, and advice tailored to your individual situation, delivered by a human.

We work as an integral part of your team, collaborating with your Realtor, Financial Advisor, CPA, attorney, 1031 exchange facilitator, and other professionals, to deliver strategically selected solutions that help you build and preserve wealth.

Just getting started on your financial journey? That's OK too. We'll still treat you like you're our most important client.

Some of the nice things our clients have said:

Jackie isn't just my favorite mortgage expert, but my favorite financial adviser/broker of any kind I've ever worked with over 30 years. She's not just a master of the process... she's a master at understanding what your real needs are and then fighting for them, NON-STOP...

I'll never believe that mortgages are a commodity again. She is just much more resourceful than other folks.

D.N.

I had been house hunting for about 1.5 years using a different lending company, and would always lose out on the bidding war. There was a huge corporate feeling working with that lender and I didn't get the personal touch to help me put strong offers...

And when it comes to getting the loan approved, Jackie will be there step-by-step... and tell you things you should avoid to have a smooth closing process.

J.P.

Jackie is just amazing. I had an unusual and tricky situation and I was unsure if I could get financing...

She was kind, generous, helpful, smart and savvy... and I told my real estate agent she needs to send people to Jackie, because she took such good care of me.

B.K.

Mortgages Made for Real Life

In addition to competitively priced conventional and jumbo loans, our specialty loan options are designed for solving the types of challenges that can get in the way of pursuing big goals,  — even for clients with nontraditional income or other unique circumstances.

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 Specialty Mortgages (NonQM)s 

Qualify for more than you would with tax returns or paystubs. Ideal for business owners, sole proprietors, real estate investors, ITIN, or borrowers with limited income documentation.

We can use more of your income than tax returns show. Stack multiple income types for maximum borrowing power:

Up to 100% of deposits to personal bank account

Up to 90% of 1099 income

Up to 80% of deposits to business bank account

Profit and Loss only

W2 or Written Verification of Employment only

Assets as income: divide eligible assets by just 60 months for "virtual income" that can be added to other income types.

Count ADU income, rents from vacant units, short-term rental income. 

 Bridge Loans +
Private Money 

Buy a new home before you sell your current home--with as little as $0 down.

Use both your current property and the new property as collateral to maximize leverage.

Cross collateral loans can also be used 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--and can often match other lenders' pricing--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 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 that help clients solve big challenges and keep long-term plans front and center.

She provides borrower guidance with care, creativity, and deep expertise, and collaborates with a team of experienced processors, title and escrow partners. 

Jackie holds a California Real Estate Broker's License and Mortgage Originator License, is an active real estate investor and homeowner herself, and has helped hundreds of clients purchase and refinance all types of properties.

Jackie has been originating mortgage loans since 2010, and founded Exception Lending, an independent mortgage brokerage, in 2019. 

Exception Lending is a woman-owned business and LGBT identified business. We believe the American dream of homeownership is for EVERYBODY.

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Jackie Cuneo, Exception Lending Owner/Mortgage Broker
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