Tag: jumbo loan

How Insignia Mortgage Continues Delivering Solutions for Complex Borrower Scenarios Q3 2025

Victoria Chuidian
November 20, 2025

Recent Loan Successes: How Insignia Mortgage Continues Delivering Solutions for Complex Borrower Scenarios

At Insignia Mortgage, we specialize in navigating the most challenging real estate finance situations—from high-LTV jumbo purchases to no-income loans, interest-only structures, and sophisticated investment transactions. Our boutique lending approach, deep lender network, and decades of jumbo and non-QM expertise allow us to deliver fast, flexible, and highly customized financing solutions for clients nationwide.

Below is a highlight of recent loan successes across California and Florida that demonstrate the Insignia difference.

Sherman Oaks, CA — High-LTV Interest-Only Purchase

Loan Amount: $4.175M
Program: 7/6 ARM — Interest Only
LTV: 79%
Rate: 5.50% / 5.63% APR
Timeline: < 3.5 weeks

Challenge:
A borrower seeking high-LTV, interest-only financing approached Insignia after struggling to find a lender willing to meet their requirements.

Solution:
Our team quickly matched the client with a lender offering a competitive interest-only loan at an exceptional rate. The transaction was completed in under 3.5 weeks—ensuring the buyer closed on time and secured the home they wanted.

Orlando, FL — No-Income Loan for Borrower in Transition

Loan Amount: $760K
Program: 30-Year Fixed
LTV: 80%
Rate: 6.75% / 6.88% APR

Challenge:
The borrower had no documented income and was in the middle of a divorce, making traditional loan approvals nearly impossible.

Solution:
Insignia sourced a lender able to rely on the borrower’s balance sheet—rather than income—to structure an approval. The client closed successfully with a long-term fixed rate solution tailored to their unique financial situation.

Los Angeles, CA — 21-Day Close for 1031 Exchange Investment Property

Loan Amount: $7.5M
Program: 5/1 ARM
LTV: 50%
Rate: 6.37% / 6.30% APR
Timeline: 21 days

Challenge:
A real estate investor needed to close quickly to complete a 1031 Exchange, leaving no room for delays and requiring a lender who understood complex income.

Solution:
Insignia secured a lender offering both speed and competitive pricing. The deal was funded in just 21 days—preserving the client’s exchange timeline and investment strategy.

Los Angeles, CA — High Debt-to-Income Borrower Secures Great Rate

Loan Amount: $1.44M
Program: 5/1 ARM
LTV: 80%
Rate: 5.50% / 5.63% APR

Challenge:
The borrower had a high DTI and had already been turned down by several banks.

Solution:
Insignia partnered the borrower with a local bank comfortable with their full financial picture, including strong assets. The borrower received an excellent rate and was able to vest the property in an LLC.

Woodland Hills, CA — Big Bank Turn-Down Turned Fast Approval

Loan Amount: $2.5M
Program: 30-Year Fixed
LTV: 80%
Rate: 6.00% / 6.13% APR
Timeline: < 30 days

Challenge:
After being rejected by a major bank, the borrower needed a solution quickly to keep their purchase on track.

Solution:
Insignia connected the borrower with a local credit union that understood their unique business structure. The loan was approved with optimal terms and closed in under 30 days.

Montecito, CA — $9.5M Interest-Only Take-Out of Construction Loan

Loan Amount: $9.5M
Program: 5/6 ARM — Interest Only
Use: Construction take-out
Rate: 5.50% / 5.80% APR

Challenge:
The borrower needed an interest-only solution to refinance a construction loan on a property still in development.

Solution:
Insignia arranged financing through a local private bank offering excellent pricing and fast execution. The client secured long-term flexibility with a smooth, timely close.

Why Borrowers Choose Insignia Mortgage

Across every scenario—no income, complex tax returns, high DTI, fast-close deadlines, or jumbo loan requirements—Insignia Mortgage delivers:

  • Access to portfolio lenders, private banks, and niche programs unavailable through traditional channels
  • Fast turn times, even on complex transactions
  • Customized structuring for foreign nationals, LLC ownership, interest-only needs, and high-net-worth borrowers
  • Competitive rates on jumbo, non-QM, and specialty loan products

If you have a financing scenario other lenders can’t solve, our team is here to help.

📞 Connect with Insignia Mortgage
Call us today at 310-730-1469 to speak with our experienced loan specialists and explore portfolio, jumbo, and non-QM lending options tailored to your needs.

Q2 2023 Transaction Spotlights

Insignia Mortgage
July 13, 2023

Throughout the second quarter of 2023, Insignia Mortgage has solidified California’s Jumbo Loan Experts. Our portfolio of jumbo loan successes this past quarter is a testament to our team’s dedication to surpassing client expectations.

Q2 2023 Transaction Spotlights

$9 Million, 75% LTV, 5.500% APR

The highly qualified borrower was seeking maximum leverage on a new home purchase. His financials were difficult to analyze due to the major expansion of his company over the last year, which affected net income. An additional challenge in closing the transaction was coordinating with a very nervous seller, who was quite worried as the two previous buyers could not obtain financials.

$2.2 Million, 80% LTV, 6.250% APR

Insignia Mortgage was approached by a client looking to close escrow on a property with 2 missing bathrooms. The borrower wanted to complete the remodel of the bathrooms himself. Insignia located a lender willing to close on the unfished property and allow the borrower to complete the remodel himself.

$4.6 Million, 43% LTV, 6.500% APR

The borrower approached Insignia Mortgage for an Owner Occupied Construction Loan after the purchase of a lot. The borrower recently sold his business and is being paid a salary over the next few years by the company. Insignia Mortgage was able to locate a lender that was able to use the client’s balance sheet and income to qualify for the Owner Occupied Construction Loan.

$980K, 43% LTV, 8.500% APR

The borrower required a DSCR loan after being turned down for a bank statement loan on the property. Funds were going to pay off another debt. Insignia Mortgage was able to locate a max LTV lender who was also OK with vesting the property in an LLC and providing cash out.

$3.05 Million, 80% LTV, 8.475% APR

The borrower was looking for maximum leverage on a new home purchase using his business bank statements. Insignia Mortgage located a lender that provided 80% financing and LLC vesting with a closing in under 20 days

$1 Million, 68% LTV, 6.250% APR

Insignia Mortgage canvased the lending marketplace for a sharp pencil 30-year fixed-rate loan for this very qualified borrower. Our hard work paid off as we were able to locate the best-priced option and won the deal for our client.

$2.1 Million, 50% LTV, 8.500% APR

The borrower was looking for a loan program that would not verify income, as she was self-employed and she earned income both domestically and abroad. Given the complexity of her financials, it was decided to utilize a no-income or employment verification loan program.

$1.62 Million, 80% LTV, 5.875% APR

The borrower just moved from New York to California. After renting for a month, he found a condo in Marina Del Rey he wanted to purchase. Insignia Mortgage was able to locate a lender with below-market rates to quickly close the loan with no origination costs.