We are collaborators
We work in strategic partnership with Realtors, attorneys, independent wealth managers and financial planners, offering mortgage strategies that compliment our clients' personal and financial goals, and advocating for our referral partners. We value our colleagues and their clients, and will work as a team toward a successful purchase transaction.

Unlike many banks and mortgage companies, we are focused only on mortgage. 

We are experienced
With 19 years of real estate and lending experience, we provide careful analysis of your whole financial picture, and financing options meant to serve your short term needs and long term financial plans. Since 2010 with over $500+ million funded, we have helped hundreds of clients purchase and refinance properties all over California. 

We are consultants
We offer a wide variety of mortgage products, including nontraditional options which work in an array of unique circumstances. Coupled with a level of personal service that borrowers won't find working with a bank, credit union or online lender, we are here to help you make thoughtful, informed decisions about your mortgage options.

We consider your entire financial picture
Mortgage can be an effective and integral part of an overal financial plan. While we are not financial planners, we will ask for a complete picture of your finances, and often ask to collaborate with your existing financial planning team to help you make decisions that compliment your immediate needs and long-term plan. If you're not currently working with a financial planner or wealth manager, we can make an introduction to someone who understands you and will help you set and accomplish your goals.

We understand real estate
We bring an in-depth approach to the local real estate market while offering financing options for owner occupied properties anywhere in California, and non owner occupied properties nationwide. We have worked with a long list of highly qualified Real Estate professionals, and will work closely with your agent to insure the highest probability of a successful offer, and a smooth closing.

Jackie Cuneo | Exception Lending Broker & Owner
A tenacious problem solver, Jackie has always been drawn to the more complex challenges a mortgage client may be experiencing, and has significant experience with nontraditional mortgage options.

Jackie holds a California Real Estate Broker's license, and has been a licensed Mortgage Originator since 2010. She has helped hundreds of clients close more than $500,000,000 of mortgage financing.

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