Financing for exceptional properties.
Jumbo and high-balance purchase financing structured around your portfolio — not a generic underwriting box. Twenty-five years guiding sophisticated borrowers through transactions that demand discretion, speed, and creative structure.
Takes 2 minutes · No credit impact · Confidential
Trusted by sophisticated buyers across Georgia
"Closed our $2.4M Buckhead purchase in 19 days during a competitive offer scenario."
A peer for buyers who've outgrown the conforming product set.
Originally from the Southern Alabama landscape and firmly planted in Georgia, Angeline brings 25 years of residential lending experience to high-balance and jumbo purchase transactions. Her clients are executives, business owners, physicians, and investors — buyers who expect the documentation conversation to start sophisticated, not basic.
When she isn't structuring complex files, you may find her with her family on the water, at a sporting event, or on the tennis courts. The same focus and competitive instinct travels with her into every transaction.
No credit pull · No obligation · Direct response from Angeline
Built for jumbo files.
Not basic intake.
A few smart questions about purchase price, reserves, and asset structure. We'll respond with substance — not a generic auto-reply.
🔒 Confidential · No credit impact · Reviewed personally by Angeline within one business hour
Four steps. Zero friction.
A defined path from first conversation to keys in hand — engineered for buyers who don't have time to chase status updates.
Confidential Discovery
A 15-minute call to understand your timeline, target property, asset structure, and any nuances your CPA or advisor team needs us to know.
Strategy & Structure
We model the file across our jumbo, high-balance, and portfolio investor relationships to identify the structure that best fits your liquidity and tax posture.
Pre-Qualification Letter
A substantive letter your agent can lead with — one that listing agents and seller representatives in Buckhead, Alpharetta, and beyond actually respect.
Close in 21 Days
Active file management with proactive updates. You won't wonder where things stand — and neither will your agent or attorney.
How we approach jumbo lending.
Inside our jumbo lending philosophy
Angeline Kelly · Union Home Mortgage
What buyers say after closing.
"We were under contract on a $2.4M home in Buckhead and the original lender came back at the last minute with reserve issues. Angeline took the file Friday afternoon and we closed the following Friday. She speaks the language of complex financials."
"My income is structured through three different entities and most lenders glaze over when I explain it. Angeline got on a call with my CPA the same day and walked through it like she does this every week — because she does. Closed in 22 days on our Alpharetta home."
"Bought our place on Lake Lanier with the bulk of our wealth tied up in equity comp. Most lenders couldn't structure around it. Angeline coordinated directly with my wealth advisor at Morgan Stanley and made it work without forcing me to liquidate positions."
Model your monthly numbers.
Run scenarios privately. Adjust price, down payment, and term to see what fits your liquidity strategy before we ever speak.
What jumbo buyers actually ask.
What's the loan limit before a mortgage becomes "jumbo" in Georgia?
For most Georgia counties the conforming loan limit sits at $806,500 for a single-family residence in 2025. Above that threshold, financing moves into jumbo or high-balance territory with different reserve requirements, documentation expectations, and underwriting standards. We handle this category routinely and structure files accordingly from day one — no scrambling halfway through.
How much in reserves do I need for a jumbo purchase?
Most jumbo programs require 6 to 12 months of PITI in post-close reserves, scaling up as loan amount and LTV increase. Reserves can typically include retirement assets at a discount, brokerage accounts, and certain other liquid holdings. On the very first call we'll map your asset structure to the program that maximizes leverage without forcing unnecessary liquidation.
I have complex income. Can you work with my CPA directly?
Yes — and we prefer it. For business owners, partners with K-1 income, executives with significant equity comp, or borrowers with multi-entity structures, looping in your CPA early prevents underwriting surprises and shortens the timeline. Many of our jumbo clients introduce us directly to their advisor team on the first call.
Do you offer asset-based or non-QM products for buyers without traditional W-2 income?
We have access to asset depletion, asset utilization, bank statement, and P&L-only programs through our portfolio investor relationships. These are not last-resort products — they're frequently the right answer for retirees with substantial assets, business owners showing optimized tax returns, and entrepreneurs whose true cash flow doesn't appear cleanly on a 1040.
How fast can you actually close on a jumbo file?
Our average jumbo purchase closes in 21 days when documentation is provided promptly. We've closed in as few as 14 days on competitive offers when the listing situation demanded it. The bottleneck is rarely underwriting — it's documentation flow. We tell you up front exactly what we need so nothing surfaces in week three.
Will checking my eligibility impact my credit score?
No. Initial eligibility review is conversational and based on the figures you share. We only run a credit pull when you've decided to move forward toward a formal pre-qualification letter — and even then, it's a single soft or hard inquiry coordinated with your timing.
The right home deserves the right structure.
One conversation with Angeline tells you whether the financing strategy you have in mind is the strongest one available — or whether something better fits your portfolio.
2 minutes · No credit impact · Confidential
