New York · Private Mortgage Practice
We finance the residencesother lenders can't see.
New York · Miami · Los Angeles · Aspen
Lending Programs
Four structures.
Every complex borrower.
Each program is underwritten in-house — no correspondent lender handoffs, no committee delays. One underwriter, start to close.
Jumbo
Jumbo Mortgage
6.125% – 6.875%
Current rate range
$3M – $10M
Loan size
21 days
Avg. close
For the full-floor Tribeca loft or the Park Avenue co-op. Competitive pricing against agency limits with full DTI flexibility for equity-rich buyers.
Super-Jumbo
Super-Jumbo
6.375% – 7.25%
Current rate range
$10M – $25M
Loan size
28 days
Avg. close
Billionaires' Row, One57, 220 Central Park South. Asset-depletion underwriting, pledged assets, and non-warrantable condominiums welcome.
Foreign National
Foreign National
6.75% – 7.875%
Current rate range
$2M – $15M
Loan size
30 days
Avg. close
Passport-only underwriting for pied-à-terre acquisitions. No SSN, no US credit history required. DSCR and asset-based qualification accepted.
Portfolio
Portfolio Loan
6.5% – 8.0%
Current rate range
$5M – $50M+
Loan size
35 days
Avg. close
Cross-collateralized structures across multiple luxury holdings. Family office solutions for 3–12 properties in a single credit facility.
Closed Transactions
Twelve closed.
None of them simple.
$2.1B
Total Deployed
97%
Close Rate
24 days
Avg. Close Time
Largest single-unit close YTD
432 Park Avenue, PH82A
Midtown
$18,500,000
Super-Jumbo
Program
22 days
Close Time
Asset Depletion / 10-yr ARM
Structure
220 Central Park South, 47B
Billionaires' Row
$14,200,000
Foreign National
Program
31 days
Close Time
DSCR / 30-yr Fixed
Structure
56 Leonard Street, PH57
Tribeca
$7,850,000
Jumbo
Program
19 days
Close Time
Full-Doc / 7-yr ARM
Structure
Single credit facility, four assets
Portfolio — 4 Holdings
SoHo · West Village · UES · Tribeca
$31,400,000
Portfolio
Program
38 days
Close Time
Cross-Collateral / Blanket Lien
Structure
111 West 57th Street, 60B
Billionaires' Row
$9,750,000
Super-Jumbo
Program
25 days
Close Time
Pledged Assets / 5-yr ARM
Structure
Non-warrantable approval in 48 hrs
15 Hudson Yards, PH88
Hudson Yards
$22,100,000
Super-Jumbo
Program
28 days
Close Time
Non-Warrantable Condo / 10-yr IO
Structure
70 Vestry Street, 11A
Tribeca
$5,600,000
Jumbo
Program
21 days
Close Time
Bank Statement / 30-yr Fixed
Structure
53 West 53rd, Res 67
Midtown
$11,300,000
Foreign National
Program
34 days
Close Time
Passport-Only / 7-yr ARM
Structure
35 Hudson Yards, 8402
Hudson Yards
$4,200,000
Jumbo
Program
18 days
Close Time
Full-Doc / 30-yr Fixed
Structure
One Manhattan Square, PH
Lower East Side
$6,800,000
Jumbo
Program
20 days
Close Time
Full-Doc / 10-yr ARM
Structure
Three states, one underwriter
Portfolio — 3 Holdings
Miami · Aspen · NYC
$19,500,000
Portfolio
Program
42 days
Close Time
Cross-Market Blanket / 7-yr ARM
Structure
520 West 28th Street, PH
Chelsea
$8,100,000
Jumbo
Program
23 days
Close Time
Asset Depletion / 5-yr ARM
Structure
$0.0B
Total Capital Deployed
0%
Successful Close Rate
0 days
Average Close Time
0+
Closed Transactions
Institutional Partners
Three named banking relationships. Rates sourced from balance-sheet lenders, not the secondary market.
DPB
Deutsche Private Bank
JPMC
JPMorgan Private Client
GS
Goldman Sachs Lending
Rate Lock Guarantee
72 hours
Rate locked at pre-approval. No re-pricing at close.
Who We Work With
Three borrower profiles.
Each one needs something standard lenders can't build.
Tech Founder
The Founder
"Your income looks complex on paper. Your balance sheet tells a different story. We read the balance sheet."
Income Type
Equity / K-1 / Non-W2
Typical Structure
Asset Depletion or Bank Statement, 7–10yr ARM
Recent Example
56 Leonard Street, PH57 — $7.85M
Foreign National
The International Buyer
"A New York address as a second home. No US credit history, no Social Security number, no problem."
Income Type
Foreign Income / Passport-Only
Typical Structure
DSCR or Passport-Only, 5–7yr ARM
Recent Example
220 Central Park South, 47B — $14.2M
Family Office
The Family Office
"Three properties, four entities, one credit facility. We structure the debt so your capital stays working."
Income Type
Trust / LLC / Multiple Entities
Typical Structure
Cross-Collateral Portfolio, Blanket Lien
Recent Example
Portfolio — 4 Holdings — $31.4M
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