Financing for the home you actually want.
You've outgrown the conforming product set. So let's skip the basics — and structure a jumbo loan around your portfolio, your reserves, and the timeline your purchase actually needs.
Two minutes. No credit pull. Complete discretion.
A peer, not a salesperson.
Tia started in financial services in 2011, building a foundation in retail banking before going all-in on mortgage lending. That dual perspective — banker first, lender second — is exactly what jumbo buyers need.
She speaks the language of liquid reserves, asset-based qualification, and portfolio loans. She gets that your time is more valuable than another follow-up email. And she keeps the conversation discreet — always.
Direct conversation. No call center, no handoff.
Start your pre-qualification
Built for high-balance purchases. Asks the right questions about reserves, liquidity, and structure — without wasting your time.
Built for loans above the conforming line.
You're not a first-time buyer. You don't need a pre-qual letter — you need someone who can structure the deal.
Jumbo to $3M+
Competitive high-balance pricing on purchase loans well above conforming limits. Routine territory, not a special case.
Asset-Based Qualifying
Liquid reserves, brokerage accounts, and trust assets factored intelligently — not pushed through a one-size-fits-all checklist.
Move-Fast Underwriting
21-day average close on standard jumbo files. When competing offers matter, your financing can't be the bottleneck.
Portfolio & Non-QM
Bank statement, P&L, DSCR, and asset-depletion programs for complex income structures, business owners, and private-banking clients.
Discreet, Direct Access
No 1-800 number. No handoffs. You work directly with Tia from first conversation through closing day — and after.
Second-Home & Investment
High-balance financing for vacation properties, second homes, and investment acquisitions — including DSCR underwriting paths.
Four steps. No friction.
A jumbo file should feel like working with a private banker, not filling out forms in a queue.
Quick Conversation
15-minute call to understand the property, your timeline, and how you want the loan structured. No application required.
Pre-Qualification
Soft review of reserves, liquidity, and income structure. You get a strategic plan — and a letter strong enough to compete.
Offer & Underwriting
Once you're in contract, full underwriting kicks off immediately. Daily updates, secure document portal, real human responses.
Close & Keys
21-day average close on jumbo files. Mobile notary available. Clear final numbers — no closing-table surprises.
Step one takes about two minutes. No credit pull.
What working together looks like.
Two minutes on how jumbo financing should actually feel from the borrower's seat.
What jumbo borrowers should expect from their lender
Tia Elson · Synergy One Lending
What does the monthly look like?
Model the payment on the property you're actually considering. Adjust price, down payment, and terms in real time.
Calculator estimates are illustrative — Tia provides actual pricing on your scenario.
Buyers who got it done — and would do it again.
"We had a $1.8M purchase with most of our liquidity tied up in brokerage. Tia structured an asset-based file and closed in 19 days — three days ahead of our contract. She made the whole thing look easy."
"My income is mostly K-1 and distributions. Two other lenders couldn't make it work. Tia took one look and said 'I've got this' — and she did. Bank statement program, jumbo pricing, no drama."
"I've closed four properties in the last decade. Tia is the first lender who treated me like she'd done this before — because she had. Direct, smart, returns calls within the hour. Refreshing."
Licensed. Experienced. Accountable.
Tia is a fully licensed Mortgage Loan Originator working under Synergy One Lending. Verify her license at NMLS Consumer Access — it's your right and we encourage it.
Common jumbo questions.
What loan amount is considered jumbo?
Any loan above the conforming limit set by Fannie Mae and Freddie Mac is jumbo. In most counties for 2024 that's above $766,550, with high-cost areas going up to $1,149,825. Anything above those thresholds is a jumbo or super-jumbo loan and requires a lender comfortable in that space.
How much do I need in reserves?
Most jumbo programs require 6 to 12 months of PITI in liquid reserves, depending on loan size, occupancy, and program. Brokerage accounts and retirement assets typically count at 70 percent. Tia will run your specific scenario through multiple investors to find the most flexible structure for your assets.
Do I need 20 percent down on a jumbo loan?
Not always. While 20 percent down is the most common structure, programs are available with 10 to 15 percent down for strong-credit borrowers on primary residences, and piggyback structures can avoid PMI. For very high loan amounts, larger down payments may unlock better pricing — Tia will model both directions.
My income is complex — self-employed, K-1, or distributions. Is that a problem?
It's not a problem — it's Tia's specialty. Bank statement programs (12 or 24 month), P&L-only programs, asset-depletion qualification, and DSCR for investment properties are all standard tools. Complex income structures often qualify cleanly when matched to the right program.
How fast can a jumbo loan close?
A clean jumbo file with full documentation upfront can close in 21 days on average — sometimes faster on conventional jumbo programs. Non-QM and bank statement programs typically run 25 to 30 days. The biggest variable is appraisal turn time in your market.
Will pre-qualification affect my credit?
No. The initial pre-qualification conversation and review uses self-reported credit information — no pull required. A formal credit pull happens only when you're ready to move forward with a full pre-approval letter, and we'll always confirm with you first.
The property is waiting. Let's structure the loan.
Two minutes to start. A real conversation with a real lender. A pre-qualification strong enough to compete on day one.
No credit pull · 2 minutes · Discreet
The buyers who got the keys.
Real jumbo purchases. Real complications. Real closings.
"We had two W-2s, a K-1 from my husband's medical practice, and a rental portfolio. Three lenders told us the file was too complicated. Tia structured a $1.8M jumbo on our BOI home in 23 days. She actually understood the K-1."
"Tech founder, mostly equity comp, low base salary. I needed $2.4M to compete in a multiple-offer situation on a Boise foothills property. Tia got us asset-depletion qualified and a pre-approval letter that the listing agent actually called 'the strongest one she'd seen.' We won the house."
"Relocating from the Bay Area to a second home in McCall — $1.45M, 15% down, and a closing window of 18 days because the seller had a backup offer. Tia answered texts at 9pm on a Sunday. We closed on day 17. That's all I need to say."
A decade of closings. Not a single shortcut.
The track record behind the conversation you're about to have.
