Luxury Financing Without Conventional Limits
Flexible financing for complex borrowers, luxury properties, and maximum loan leverage up to $25 million dollars and higher by exception.
Buying a high-value property shouldn’t feel impossible, but too often it is. It’s not because you can’t afford it, but because your financial profile doesn’t fit neatly into a traditional lender’s box. That’s not how we work.
If you’re done waiting on lenders who freeze when the stakes are high, Insignia is the partner you’ve been looking for.
30 Year
Term
6.000%
Interest Rate
6.094%
APR
Your Loan On Your Terms
Are you self-employed, earning income from multiple sources, holding assets in trusts, or operating in international markets?
Conventional lenders often see that as a problem. For us, it’s an opportunity.
With $7B+ in loans closed and direct access to private banks and niche lenders, we structure large mortgage financing around your financial reality.
Whether you need long-term stability, short-term flexibility, or more breathing room in your monthly payments, we have the expertise to make it happen.
Jumbo & Interest
Only Loan Offerings
Every borrower has different goals. Some want predictability. Others want the flexibility to keep cash free for investments. That’s why we offer multiple jumbo loan structures.
Interest-Only Loans
Interest-only jumbo loans give you breathing room with lower initial payments, freeing up liquidity for investments or renovations. We’ll show you how to leverage this tool responsibly, without tying up cash you’d rather keep in play.
Fixed-Rate Jumbo Loans
A fixed-rate jumbo loan gives you certainty: one rate, one payment, zero surprises. Perfect if you’re in it for the long haul and want a predictable repayment schedule.
No Tax Return / Stated Income Jumbo Loans
For self-employed or asset-rich borrowers who don’t fit the traditional mold, our Non-QM jumbo loans offer a more flexible way to qualify. We look beyond tax returns to assess your true financial picture—part of our individualized lending approach.
Adjustable-Rate Mortgages
ARM loans can save you money up front while giving you time to plan for the future. Ideal if you know you won’t hold the property forever—or if you want to maximize cash flow while your assets keep working elsewhere.
Who We Serve
Every client has a different story. Our job is to take that story, however complex it is, and turn it into a financing solution that works.
Private & High-Net-Worth Clients
Wealth rarely fits inside a template. Trusts, layered assets, and investment portfolios often confuse traditional underwriters. We know how to structure these profiles clearly and persuasively, ensuring you get the terms and speed your financial position deserves.
Entrepreneurs & Self-Employed Clients
Running a business comes with freedom and just as much complexity. Traditional lenders want pay stubs, not statements, contracts, or cash flow. We translate your true income picture into terms lenders understand, helping you qualify for the financing you deserve.
Real Estate Investors
Opportunities don’t wait, and neither should your financing. From single-unit purchases to portfolios under $20M, we deliver speed and certainty through lenders who understand the investor mindset.
Community Lending
Not every buyer needs a jumbo loan or a perfect financial profile. Many qualified borrowers simply need access to programs that make homeownership more attainable. That’s exactly what our FHA, VA, conforming, and community lending options are designed to do.
Foreign National & International Clients
Cross-border finances can be complicated. Whether you’re earning abroad, managing global investments, or buying property in the U.S., we connect you to lenders who understand international assets and residency requirements so approvals don’t get lost in translation.