Mortgage expertise, personal service
Personalized guidance. Real results.
Jackie has helped hundreds of clients purchase and refinance properties--and can offer options to buyers and sellers as a compliment to Real Estate representation.
Jackie and Exception Lending offer 15 years of mortgage expertise, transparent advice, and a wide variety of mortgage options that work for your unique circumstances.
Learn more about how Jackie works with clients to provide mortgage solutions that work in the context of your overall financial goals.
Why finance through Exception Lending?
Jackie listens carefully to your unique situation and crafts mortgage strategies that fit your life goals.
Personalized service
Tailored mortgage plans that fit your unique financial situation. Personalized guidance every step.
Deep experience and expertise
Over 15 years helping California buyers navigate real estate. Proven track record of success.
Transparent communication
Clear explanations in plain English, no jargon. Understand your options and make confident decisions.
Flexible loan options
Access to jumbo, bridge, DSCR, and conventional loan programs. Find the right fit for your goals.
Fast closings
Efficient processing to help you move quickly on your dream home. Close with confidence.
Coordinated support
Work seamlessly with your financial advisor, attorney, or agent. Collaborative approach to success.
Problem-solving approach
Every client situation is a unique puzzle. Creative solutions for complex scenarios.
Genuinely caring service
You're not just a number, you're a person with goals. Human-centered mortgage experience.
Common Questions from Borrowers
What types of loans do you offer for home buyers?
I offer a wide range of loan options including conventional loans, jumbo and flex jumbo loans, DSCR investor loans, residential bridge loans, asset depletion loans, and specialty non-QM products tailored to your unique financial situation.
How do you help buyers navigate the mortgage process?
I guide you through every step of the home buying process by listening to your goals, explaining your financing options in plain English, coordinating with your CPA, financial advisor, and attorney if necessary, and ensuring you have clarity and confidence throughout. My approach makes what can feel overwhelming become manageable and even empowering.
Can I qualify if I'm self-employed or have non-traditional income?
Yes, I work with many self-employed borrowers and investors who have non-traditional income.
As a complex scenario specialist, I will evaluate your individual financial profile and recommend financing options that suit your individual situation.
What sets you apart from other mortgage professionals?
Over the last 15 years, I've helped hundreds of clients use mortgage financing to purchase or refinance properties.
As a complex scenario specialist and an independent mortgage broker, I can offer a wide variety of mortgage options, including many loan types not offered at banks or credit unions.
I have deep expertise with NonQM loans, which allow for different types of income, do not require tax returns, and are ideal solutions for clients who are self employed or high net worth.
How can I schedule an initial meeting with you?
Visit our contact page to send us an email or schedule a consult. During our conversation, we'll discuss your financing goals, review your options, and create a customized strategy that fits your life and financial situation.
How do you protect my privacy?
Exception Lending is not part of a larger mortgage company, bank or investment brokerage, so your data remains with us until we submit a live loan file to one of our lender partners for approval.
No free software--we have invested in industry-leading CRM, loan software, and archive software to process your loan and save your data using secure, cloud-based services.
We are not part of a "one stop shop" real estate + title + mortgage behemoth. Exception Lending is an independently owned boutique mortgage company.
We never use unknown
"virtual assistants" to process our loan files.