Insignia Mortage

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Complex and Interest-Only Loans

Access a wide range of interest-only & amortizing loans.

Insignia Mortgage focuses on large and often complex transactions for high net-worth clients, delivering individualized lending solutions that are tailored to our lenders’ requirements as well as our clients’ needs. We take an individualized approach to lending, designed to grasp all the complexities, choose the right lending product, consider layered tax scenarios, structure the loan, and properly present the loan to our lender-partners. We call this Individualized Lending.

Individualized Lending gets its arms around financial complexity, providing lending solutions that consider challenges faced by our clients, including real estate investors, retirees, foreign nationals, and self-employed clients. Critical stages of this process include a deeper understanding of a client’s business and assets, a thorough review by our in-house CPA as part of cash-flow discovery, and the use of a problem-solution storytelling structure that mitigates risk.

We offer a suite of interest-only and fully amortizing loan products that match borrowers with regional and local banks equipped to understand the most complicated loan scenario. We also offer unique refinance solutions for adjustable rate mortgages (ARM’s) that are about to or have reset to a higher interest rate, including long-term interest-only loan options for borrowers with atypical financials or a more unusual refinance scenario.

Insignia Mortgage, Inc. also has access to a local depository institution that offers 5% to 10% down jumbo loans with very competitive rates and terms. In addition, we can offer a truly stated income program that does not verify income for those borrowers whose liquid assets support their stated income.

  • Access to local credit unions, regional California banks, and New York money-center banks.
  • Stated income for self -employed and W-2 borrowers up to $1.5 million. Maximum loan to value of 60%.
  • Interest-only jumbo ARMs and competitive fixed rate mortgages up to $15 million with as little as 20% down payment. Co-signer permitted and cross-collateralization OK.
  • Special home loan programs designed for high-net-worth borrowers who must take title in LLC, limited partnership, corporation, or irrevocable trust.
  • High leverage jumbo loans including an interest-only mortgage for 1031 exchanges and second homes: 80% maximum loan to value.
  • 5% down payment program up to a loan amount of $1.5 million. Rates and terms are very competitive through portfolio lender. Loan program requires mortgage insurance
  • 10% down payment program up to a loan amount of $2 million. Rates and terms are very competitive with portfolio lenders. The loan program requires mortgage insurance
  • Niche underwriting such as discounting NOL’s, short-term rental income, one-year tax return program, and valuing non-publicly traded assets.
  • Restricted stock units (RSU) may be used for income and assets.
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LOW RATE
3/1 ARM Interest Only 1
Interest Rate
3/1 ARM Interest Only
5.500%
5.591%
($500,000 - $10,000,000)
Irrevocable Trust, Blind Trust, LP &
LLC Vesting OK
Press Highlights

Loan Experts

DAMON GERMANIDES
DAMON GERMANIDES
Co-founder / Broker
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CHRIS FURIE
CHRIS FURIE
Co-founder / Broker
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NEIL PATEL, CPA
NEIL PATEL, CPA
Licensed CPA & Broker Associate
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Romy Nourafchan
Romy Nourafchan
Broker Associate
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Noah Furie
Noah Furie
Broker Associate & Director of Bridge Loans
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MICHAEL NASSIRZADEH
MICHAEL NASSIRZADEH
Broker Associate and Underwriter
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JEFF EDWARDS
JEFF EDWARDS
Broker Associate
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Patrick McKenna
Patrick McKenna
Broker Associate
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Our Complex and Interest-Only Loan Program has the following added features:

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Various income sources used in income analysis including recent income.

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Liquid asset consumption as part of income analysis.

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Interest-only programs available for primary, second home, and investment properties.

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LLC, blind trust, irrevocable trust and corporate vesting welcomed.

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Transaction Spotlight

The Situation

We recently helped a client who is a CEO of a large public entertainment firm with a new home purchase. To mitigate the tax consequences of selling his stock, Insignia Mortgage provided a cash-out departing residence loan for $4 million dollars while also providing $11 million-dollar financing for the purchase.

The Solution

Insignia Mortgage underwrote the cash flow and utilized restricted stock units (RSU) as reserves. A vesting structure was set up to accommodate the client’s request for privacy.

The Loan Details

  • $15 million loan amount
  • 30-year fixed-rate mortgage
  • 3.442% APR
  • Closed in a blind trust
  • 25-day close of escrow
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