Jumbo loan magic.
From a former underwriter.
I structure $1M–$10M+ home loans the way underwriters need to see them — so your deal doesn't fall apart at closing. Specialized for complex income, K-1s, RSUs, and luxury Southwest Florida purchases.
Jumbo Loans up to $10M+
Portfolio products, asset-depletion, interest-only, and bank-statement options for buyers who don't fit a box.
Complex Income Underwritten Right
K-1s, RSUs, business owners, multi-state filers — I read the returns the way the underwriter will.
Southwest Florida Specialist
Bonita Springs, Naples, Estero, Fort Myers, and Marco Island. I know the appraisers, HOAs, and condo project requirements.
Only at Shannon.
Three things you won't get from a typical jumbo lender — and the reason luxury buyers in Bonita Springs come back to me.
Pre-Approvals That Hold
Most pre-approvals are just credit pulls and a guess at income. Mine are full underwriter-level file reviews — tax returns, K-1s, RSUs, asset accounts — read before you write an offer.
Former Senior Underwriter
I spent years on the other side of the desk approving — and declining — complex files. Now I structure yours the way the underwriter needs to see it from day one.
SW Florida, Specifically
Naples condo project approvals. Bonita Springs gated communities. Estero new construction. Marco Island second homes. I know the appraisers, the HOAs, and the quirks.
From hello to keys — in 3 steps.
A luxury purchase shouldn't feel like a hostage negotiation. Here's how it actually goes.
Soft pre-qualification
A 3-minute form, no credit impact, no obligation. I review your scenario and call you back the same day with real numbers.
Underwriter-grade approval
I review your full file — returns, K-1s, RSUs, assets — and issue a true pre-approval. The kind sellers and their agents respect.
Close on time. Every time.
Because we structured the file right at the start, there are no 11th-hour surprises. You sign, you get the keys, you go enjoy the home.
Takes 3 minutes · No credit impact · No obligation
If your income's complicated, we're a fit.
Most loan officers panic when they see a Schedule K-1 or an RSU vesting schedule. I read them like a novel. If any of these describe you, let's talk.
Business owners & self-employed
2-year average. Add-backs. Schedule C, K-1, 1120-S. Bank-statement options when returns don't tell the full story.
Executives with RSUs & equity
Vested RSUs as continuing income. Stock options. Deferred comp. Bonus & commission with proper 2-year structure.
Asset-rich retirees
Asset depletion. Brokerage income. Trust distributions. Second-home and primary-residence options.
Multi-state & multi-entity filers
Multiple LLCs. Partnership returns. Out-of-state income. Investment properties stacked across portfolios.
"She closed a $3.8M file three other lenders couldn't."
— Marcus T., Naples
The underwriter who became your loan officer.
I started my career as a senior mortgage underwriter — the person who actually decides whether a loan funds. I learned every guideline, every overlay, every reason a complex luxury file gets declined at the worst possible moment.
Then I crossed the desk. Now I structure jumbo loans the way underwriters need to see them — so my buyers in Bonita Springs, Naples, and across Southwest Florida actually close. No surprises. No "we just need one more thing." Just a clean file from day one.
Shannon Rodriguez
Sr. Loan Officer · Lower · NMLS# 518446
No credit impact · Same-day callback
Luxury buyers who actually got the keys.
"Two lenders walked away from our K-1 structure. Shannon read the returns in 20 minutes and had us pre-approved on a $2.4M Bonita Bay home by Friday. Closed in 26 days."
Marcus & Elena T.
Bonita Springs · $2.4M purchase
"My income is mostly RSUs from a tech company. Every other lender said 'we can't count it that way.' Shannon could — and did. Closed on our Naples second home with zero drama."
Priya R.
Naples · $3.1M second home
"Asset-depletion loan on a $5.6M Marco Island property. Shannon made the structure feel obvious. She knew the appraiser, the HOA, the project — everything. We closed in 32 days."
David K.
Marco Island · $5.6M primary
The number that matters
97%
of Shannon's luxury pre-approvals close on time — because they're structured like underwriter files from day one.
You're closer to that closing table than you think.
Three minutes, no credit pull, no obligation. You'll know exactly where you stand on a $1M–$10M+ purchase by the end of the day.
3 minutes · No credit impact · Same-day callback from Shannon
The stuff people actually ask.
What's the maximum loan amount you can do?
I regularly close loans up to $10M+ with our portfolio jumbo partners. Above that, we structure with private banking and asset-backed lending options. If you've got the scenario, I've got the product.
My income is mostly K-1 / RSUs / business distributions. Can you actually use it?
Yes — and this is exactly what I specialize in. As a former senior underwriter, I know how to document and present K-1s, vested RSUs, partnership returns, and bonus income so it counts. Most LOs say "we can't." I almost always can.
Will pre-qualifying impact my credit score?
No. The initial 3-minute form is a soft inquiry with no credit impact. A hard pull only happens later, with your explicit permission, once we're ready to issue a true pre-approval letter you can write offers with.
Do you do second homes and investment properties?
A large share of my business is second homes in Naples, Marco Island, and Bonita Springs, plus investment-property jumbos. I have DSCR options, asset-depletion, and full-doc paths depending on which makes your numbers work best.
How fast can you close?
Most of my luxury files close in 25–35 days. When sellers need a fast close on a competitive property, we've gotten to the table in under three weeks. The secret is structuring the file correctly on day one — which is the whole point.
I'm not ready to buy for 3–6 months. Is it too early to talk?
Honestly, that's the best time. We can review your scenario, get any tax or documentation issues handled in advance, and have you fully ready to write offers the moment you find the home. Early planning is what makes the closing painless.
The home is out there. Let's make sure you're ready to win it.
Three minutes now saves three weeks later. Get a real answer on what you qualify for — structured by a former senior underwriter who knows exactly what it takes to close in Naples, Marco Island, and Bonita Springs.
3 minutes · No credit impact · Same-day reply
Shannon Rodriguez · Sr. Loan Officer · NMLS #518446
