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.
