Our mission is to provide mortgage solutions with integrity, creativity, experience and understanding. Clients in need of financing are often in the midst of major live changes--sometimes positive, and sometimes very challenging--when they reach out to us for help.

Our goal is to provide a wide variety of mortgage products, including nontraditional mortgage options which work in challenging circumstances, and a level of client service that borrowers won't find working with a big bank.

Why is the company called Exception Lending? Mortgage approvals are based on a set of rules for each program type called guidelines. If a borrower needs something that doesn't fit within the program rules or guidelines, it can sometimes be approved by requesting an exception. Our goal at Exception Lending is to provide a wide array of mortgages that solve problems that can't be solved with traditional products, and a level of experience to help as many clients as possible: we are focused on the exceptions.

We know that every borrower deserves to have options and someone who is working hard to help them buy or refinance their property, even in the most challenging situations.

Jackie Cuneo
Broker/Owner

A tenacious problem solver, Jackie understands the mortgage process from start to finish, and has always been drawn to the more complex challenges mortgage clients may bring. Since 2010, she has helped hundreds of clients purchase and refinance properties throughout California.

In today's fiercely competitive rate environment, she understands that wealthy borrowers and clients with very simple financial profiles may be best served by their private bankers or a large institution, but many clients need other options that simply aren't available through a traditional bank. 

After 9 years working at some of the country's most respected mortgage lenders, she decided to launch Exception Lending as an alternative to the "big bank" experience, with a focus on providing solutions that are often just not possible at a large bank or local credit union.

Exception Lending offers a full suite of mortgage products, from "plain vanilla" full documentation agency loans to alternative income loans, real estate investor loans, and private money/hard money loan products to serve clients who are either not able to find the financing they need through a big bank, or who simply need a higher level of service and attention as they purchase or refinance.

Joana Marin
Loan Production Specialist

Joana has 18 years experience in loan processing and client services, and has worked with some of the top mortgage lenders in the country. She's committed to friendly, efficient and professional service to help our clients qualify for, and complete their purchase or refinance as quickly and smoothly as possible.