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Multi Million Dollar Super Jumbo Mortgage Loans
Purchase or Refinance High Value Real Estate with Options that Conventional Lenders Can't Touch
Borrow $1 Million to $40 Million or More & Get the Personalized Service You Expect with the R1 Private Client Group Super Jumbo Mortgage Lending Program
Super Jumbo Mortgages are defined loosely as mortgages ranging from $650,000 to $40 Million or more. These multi million dollar loans are necessary to allow high net worth individuals, business owners, and the self employed to refinance, pull cash out of, invest in, and purchase residential property without significant cash contributions which might necessitate the liquidation of performing, income generating assets.
Conventional financial institutions, banks, and brokerages, have traditionally lacked the ability to aggressively underwrite super jumbo mortgages, as they lack the experience and expertise required to successfully execute these transactions to multi-million dollar loan amounts. This failing is due in part to the very low volume of super jumbo mortgage business any individual bank or brokerage transacts in a given year, and is compounded by the fact that they remain focused on their core mortgage businesses, which target a more easily documented wage earning client base. They simply don't possess the tools and personnel to properly analyze and manage the risks involved with super jumbo mortgages, and have for the most part chosen to respond with very conservative mortgage offerings for their high net worth clientele, characterized by low loan to value ratios, large down payment requirements, and rigid income documentation standards.
Introducing the Million Mortgage™ Super Jumbo Loan Program
Amazed by the lack of knowledge about super jumbo mortgage finance exhibited by even the most seasoned conventional lenders in their personal real estate dealings, R1's management team chose to organize the R1 Private Client Group. Drawn from across the investment banking, hedge fund and real estate industries, the team designed R1's Private Client Group from the ground up to meet and exceed the super jumbo mortgage needs of high net worth individuals by doing deals that "make sense" instead of remaining in the shelters of conventional jumbo mortgage underwriting. The unit has grown from a referral-only boutique offering serving the principals' nearest and dearest into a robust, full service practice handling the real estate financing affairs of the public, including some of the nation's most notable families, with complete discretion and a breadth of super jumbo financing options into the multi-million dollar range. Through its Alliance Program, numerous family offices, financial advisors, builder/developers and real estate agents from across the USA have made R1 Private Client Group the "go to" super jumbo mortgage company for a broad array of clients ranging from business owners to athletes, entertainers, industrialists & persons of multi-generational wealth.
Compare R1 Private Client Super Jumbo Mortgage to Traditional Lenders
| Issue | Traditional Lenders | R1 Private Client | Advantage |
| Maximum Loan Amount | $1MM to $2 Million | $1MM to $40 Million+ |  Million Mortgage™ |
| Maximum Loan to Value | 50% to 60% CLTV | up to 95% CLTV | Million Mortgage™ |
| Maximum Cash Out | $100K to $250K | Unlimited* | Million Mortgage™ |
| Interest Only Option | No | Yes | Million Mortgage™ |
| Cash Flow Payment / Interest Deferral Option |
No | Yes | Million Mortgage™ |
| Time to Process & Fund | up to 90 days | 30 days (average) | Million Mortgage™ |
| Risk Tolerance | Very Conservative | Aggressive | Million Mortgage™ |
| Stated Income Documentation | No | Yes | Million Mortgage™ |
| No Income Documentation | No | Yes | Million Mortgage™ |
| Allow Passive Income | No | Yes | Million Mortgage™ |
| Mortgage for Business Owners | Limited | Yes | Million Mortgage™ |
| Mortgage for Self Employed | Limited | Yes | Million Mortgage™ |
| Trusts, LLCs & Corporations | Limited | Yes | Million Mortgage™ |
| Finance Unique Properties | No | Yes | Million Mortgage™ |
| Refinance Vacation Homes | Limited | Yes | Million Mortgage™ |
| Refinance Investment Property | No | Yes | Million Mortgage™ |
| Refinance Agricultural Property | No | Yes | Million Mortgage™ |
| Buy International Real Estate | No | Yes | Million Mortgage™ |
| Interface with Estate Planning, Financial Advisors, Family Office | Limited | Yes | Million Mortgage™ |
| Minimum Credit Score | Yes | No | Million Mortgage™ |
