2025 was a defining year for the Insignia Mortgage team, with a total loan volume of $415M closed. Across super jumbo purchases, high-LTV refinances, time-sensitive investment acquisitions, and complex borrower profiles, our team consistently delivered outcomes that many lenders considered impossible.
From borrowers putting just 20% down on super jumbo loans, to first-time U.S. earners qualifying without FICO scores or tax returns, to 21-day closes on investment properties—Insignia Mortgage proved why we are trusted for complex, high-stakes financing. Below is a look at our most impactful funded loans of 2025, capped by our December case study—and what this momentum means for clients heading into 2026.
Top Funded Loans of 2025: A Year of Complex Wins
$8.395M Super Jumbo Loan at 80% LTV – Los Angeles, CA
Borrower Need: A high-income client purchasing a primary residence wanted to limit their down payment to 20%—a major challenge in the super jumbo space.
Insignia Solution: Damon Germanides sourced the only lender willing to offer 80% LTV on a super jumbo loan, paired with a competitive 7/1 ARM at 5.41% (5.63% APR).
Result: The borrower secured their home with the leverage they wanted—without sacrificing pricing or structure.
$3.45M New U.S. Income Jumbo Loan – Los Angeles, CA
Borrower Need: A client new to the U.S. with no FICO score or tax returns needed jumbo financing—fast.
Insignia Solution: Damon Germanides and Neil Patel identified a lender willing to qualify the borrower using newly established U.S. income, offering rates comparable to domestic borrowers.
Result: The loan closed in under 30 days, removing a major barrier for international and relocating buyers.
$3.5M Refinance Using New Bonus Income – Los Angeles
A borrower facing an ARM adjustment had recently started a new role with compensation heavily weighted toward bonuses. Insignia structured a refinance using the new bonus income, stabilizing the loan and future cash flow.
$2.75M No-Income-Verification Purchase – Santa Barbara
Without selling an existing residence or providing income documentation, this borrower still needed to purchase a new home. Insignia sourced a bank that required no tax returns and no income verification, enabling a smooth closing.
$7.5M Investment Property Closed in 21 Days – Los Angeles
In the middle of a 1031 Exchange, timing was everything. Insignia matched the borrower with a lender that understood complex income and moved quickly—closing in just 21 days so the deal could move forward.
$8M High-LTV Jumbo Loan at 80% – Los Angeles
When a client needed maximum leverage on a jumbo purchase, Insignia delivered 80% financing with an interest-only ARM—closed in under 30 days despite tight underwriting requirements.
$2M Apartment Loan with Fast Close – Glendale
After inspections were complete, the borrower needed to close on a multifamily property in under 30 days. Insignia delivered both speed and pricing, securing the deal on time.
$1.565M 8-Unit Permanent Cash-Out Refinance – Los Angeles
Following a bridge loan used to renovate and stabilize an 8-unit property, Insignia Mortgage stepped in to secure permanent financing. The loan closed in 45 days, paid off bridge debt, and delivered additional cash-out proceeds with a flexible prepay structure.
$1.242M Agency Conforming Investment Purchase – Los Angeles
After being turned down by three banks due to debt-ratio concerns, Insignia underwriters re-evaluated business and personal returns—closing the deal five days before COE and keeping ratios within agency guidelines.
Why 2026 Is the Best Time to Work with Insignia Mortgage
The results of 2025 weren’t accidental—they were built on deep lender relationships, elite underwriting expertise, and a relentless focus on borrower strategy. As we move into 2026, Insignia Mortgage is expanding access to:
- Higher-LTV jumbo and super jumbo solutions
- Foreign national and new-to-U.S. income programs
- No-income and asset-based lending
- Accelerated closings for competitive purchases
- Creative structures for investors, 1031 exchanges, and multifamily assets
Whether you’re purchasing a luxury primary residence, refinancing a complex portfolio, or racing the clock on an investment opportunity, Insignia Mortgage is positioned to deliver smarter structures—and better outcomes—in 2026 and beyond. Connect with our team today by calling 310-730-1469 or check out current loan program rates here.
