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Competitive Rates, High-Caliber Service.

Simple, Conventional, and Jumbo Mortgage Solutions

Whether you're buying your first home or financing a multi-million-dollar property, Exception Lending makes the process simple. We offer a full range of conventional loan options — including straightforward purchases and refinances — alongside jumbo mortgage solutions for larger investments. At every level, you’ll get top-tier products, personalized guidance, and none of the usual bank runaround.

Need help navigating your options?
Just answer 3 quick questions and share your email — we’ll follow up with guidance tailored to your goals.
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Traditional Loans, Exceptional Execution

The reliability you want, the rate you deserve—without the bank drama.

Conventional Loans: Simple, Reliable, Competitive

Best for: Borrowers seeking straightforward financing with competitive rates

  • FNMA + FHLMC standard agency products

  • Excellent rates—comparable to banks and credit unions

  • Low down payment options are available

  • Eligible for SFRs, condos, and 2–4 unit properties

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Jumbo Loans
for Big Goals & Bigger Properties

From high loan amounts to complex financials, our jumbo offerings are designed for borrowers who need more than the basics. Whether you're buying a luxury property or working with unique income, we’ll find the right-fit jumbo solution—without slowing you down.

Prime Jumbo: Elite Rates for Elite Borrowers

Best for: Highly qualified borrowers who want the lowest possible rate

  • Ultra-competitive rates, often beating big banks
  • Full documentation is required for all income and assets
  • RSU income is eligible

Jumbo Plus: Flexibility Meets Size

Best for: Full-doc borrowers needing higher limits and more flexibility than banks allow

  • Higher loan amounts with more flexible guidelines
  • Up to 50% DTI and multiple income types accepted
  • Interest-only options available

Super Jumbo: Financing Extraordinary Properties

Best for: High-net-worth borrowers who prioritize service, privacy, and creative structuring

  • Loans up to $20 million
  • Ideal for entrepreneurs, unique income situations, and complex tax returns
  • Collaborative process with your existing wealth team (attorneys, planners, brokers)
  • Discreet, streamlined, white-glove experience
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Ready to Move Fast?

Explore your options or start the process today—no pressure, just smart strategy.