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.
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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
Conventional Loans: Simple, Reliable, Competitive
Best for: Borrowers seeking straightforward financing with competitive rates
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FNMA + FHLMC standard agency products
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Excellent rates—comparable to banks and credit unions
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Low down payment options are available
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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.