FINANCING FOR
EXCEPTIONAL
PROPERTIES.
San Diego's discreet jumbo specialist. Loan structures built around portfolios, liquid assets, and asset management relationships — not consumer-grade checklists. Pre-qualification reviewed personally, never outsourced.
Confidential review · No credit pull · 2 minutes
A PEER.
NOT A
SALESPERSON.
High-net-worth buyers don't need rate sheets shoved at them. They need a broker who reads a tax return, understands trust distributions, recognizes K-1 income, and can structure around assets — not just W-2s.
That's what I built Rebel Mortgage to deliver. Direct access to 14 wholesale investors including portfolio lenders and private banking divisions that consumer-direct shops will never see. Pre-qualifications I write personally. Files I underwrite myself before submission.
If you're moving above $1M and you're tired of being treated like a checklist, you're in the right place.
BEGIN
CONFIDENTIALLY.
A few questions about price point, reserves, and liquid assets. No credit pull. No marketing follow-up sequence. Reviewed personally — typically same-day response.
FOUR STEPS.
ZERO FRICTION.
Designed for buyers who value their time. Most jumbo files clear underwriting in 14-21 days when documentation is properly assembled upfront.
DISCOVERY CALL
Confidential 20-minute conversation. We discuss price range, reserves, AUM relationships, and structure preferences. No rate quotes from incomplete information.
FULL PRE-APPROVAL
Underwritten pre-approval — not a soft pre-qual. Your offer carries the same weight as cash in competitive markets. Issued in 48-72 hours.
RATE LOCK & STRUCTURE
Once under contract, we shop your file across 14 wholesale investors. You see the structures. You choose. Lock when conditions favor you.
CLOSE & FUND
Average jumbo close: 21 days. We coordinate directly with escrow, your CPA, and your wealth manager so nothing falls between cracks.
WHY JUMBO IS
DIFFERENT.
Why Jumbo Lending Requires a Different Playbook
Andrew Rebellious · Rebel Mortgage
WHAT WILL
YOUR PAYMENT
LOOK LIKE?
Model purchase price, down payment, and rate scenarios privately. Useful for sizing reserves and structuring offers before you engage with a listing agent. No information is captured — calculate as many scenarios as you like.
WHAT BUYERS
TELL US.
"Our income is almost entirely K-1 distributions and capital gains. Three lenders told us we couldn't qualify for a $2.4M purchase in La Jolla. Andrew structured the file in two weeks using asset depletion and we closed in 23 days."
"My private banker quoted a rate. Andrew came in 0.625% lower with a portfolio lender I'd never heard of. Saved us roughly $14,000 a year on a $3.1M loan in Rancho Santa Fe. Discreet, fast, no nonsense."
"Listing agent told us our offer wouldn't be competitive without a fully underwritten pre-approval. Andrew turned ours around in 48 hours over a holiday weekend. We won the Del Mar property over an all-cash buyer."
BUILT FOR
COMPLEX FILES.
JUMBO & SUPER-JUMBO
Loans from $806K conforming-high-balance up to $30M. Aggressive pricing on $1M-$5M segment.
ASSET DEPLETION
Qualify based on liquid portfolio rather than W-2 income. Ideal for retired or pre-retirement buyers.
PRIVATE BANK PRICING
Direct relationships with portfolio lenders. AUM-based rate concessions when applicable.
NON-QM & BANK STATEMENT
Self-employed buyers with complex returns. 12 or 24-month bank statement programs available.
INTEREST-ONLY OPTIONS
5/7/10-year I/O ARMs for cash-flow optimization. Common structure for high-AUM buyers.
21-DAY CLOSINGS
When timing matters in competitive markets. Offers backed by underwritten pre-approvals.
WHAT BUYERS
ASK FIRST.
What's the minimum down payment on a jumbo loan?
For loans up to $2M, we have programs accepting 10% down with strong reserves. Up to $3M typically requires 15-20%. Above $3M, expect 20-25% depending on the investor and your liquidity profile. We'll walk through specific scenarios on the discovery call.
How are reserves calculated for jumbo files?
Most jumbo investors require 6-12 months of PITIA in liquid reserves post-close, scaling with loan size. Retirement accounts typically count at 70% of vested balance. Brokerage and money market count at 100%. We structure reserve documentation to maximize what underwriting will credit.
Can my AUM relationship reduce my rate?
Yes — several portfolio lenders we work with offer rate concessions of 0.125%-0.50% based on assets under management or willingness to move a relationship. We'll evaluate whether the concession is meaningful relative to our standard wholesale pricing — often the open-market rate is already competitive.
Do you handle interest-only ARMs?
Routinely. 5/6, 7/6, and 10/6 ARMs with 10-year interest-only periods are common in our jumbo flow. Useful for buyers prioritizing cash flow, planning to sell within the fixed period, or coordinating with a financial advisor on portfolio leverage strategy.
How fast can you produce an underwritten pre-approval?
Standard turn time is 48-72 hours from full document submission. Expedited turnarounds for time-sensitive offers are routinely accommodated. The pre-approval is fully underwritten — meaning credit, income, and assets have been reviewed by an actual underwriter, not auto-approved by an LOS.
Will you coordinate with my CPA and wealth manager?
That's the expectation, not the exception. Most jumbo files require coordination with a CPA on tax return interpretation, a financial advisor on asset documentation, and sometimes an estate attorney on title vesting. I run point so you don't end up forwarding the same email five times.
WHEN YOU'RE READY,
WE MOVE FAST.
Confidential pre-qualification reviewed personally. No call center. No marketing follow-up. Just answers from someone who actually closes jumbo loans every week.
No credit pull · 2 minutes · Same-day review
