High-Balance & Jumbo Financing
Bespoke Financing Tailored to Your Real Estate Goals
Specializing in conventional high-balance and jumbo loans for luxury real estate in California.
The Personal Process
A boutique, hands-on experience built around your goals.
A true pre-approval is more than a math problem—it’s a discovery process. Understanding how income is earned and calculating it correctly upfront is critical to determining true purchasing power and creating a loan strategy built to close.
Deep-Dive
Discovery Call
We review your full financial picture to determine your true purchasing power.
Customized
Needs List
You receive a tailored document checklist and secure encrypted portal.
Loan File Setup
& Analysis
We verify documents, calculate income, and prepare your file for underwriting.
Live Options
Review
We compare loan scenarios together and fine-tune the strategy in real time.
Complete
Pre-Approval
Your complete package is prepared to strengthen your offer when you're ready.
1
Deep-Dive Discovery Call
View the complete discovery and credit evaluation process.
Deep-Dive Discovery Call
View the complete discovery and credit evaluation process.
A comprehensive consultation covering income, employment history, assets, credit, and minimum monthly obligations to calculate your true maximum purchasing power.
Pre-Approval Credit Evaluation & Privacy Protection
When we build your pre-approval, accuracy is everything. We evaluate your full financial picture upfront so you can write offers with 100% confidence, knowing your numbers are solid and ready for underwriting submission.
Why We Do a Complete Credit Review Upfront
To issue a true, reliable pre-approval letter, we perform an official credit evaluation at the start. Doing a complete review upfront ensures there are no mid-transaction surprises, unexpected FICO score drops, or sudden changes to your loan qualification when your file goes to underwriting.
Protecting Your Privacy from Unsolicited Calls (Trigger Leads)
When credit is pulled, credit bureaus can generate prescreened solicitation lists that lead to unwanted telemarketer calls. We guide clients to opt out before we run credit:
- Step 1: Visit OptOutPrescreen.com or call 1-888-567-8688.
- Step 2: Select the 5-Year Opt-Out option.
- Step 3: Complete the quick verification form.
Timing Tip: Opt-out processing takes approximately 7 to 10 days to update across bureau systems. Completing this step ahead of time helps keep your phone quiet and your data private throughout your homebuying journey.
2
Customized Needs List & Reusable Encrypted Email Portal
See how we securely collect and organize your documentation.
Customized Needs List & Reusable Encrypted Email Portal
See how we securely collect and organize your documentation.
Following our discovery call, you receive a tailored documentation checklist (“Needs List”) specific to your financial scenario, along with a two-part secure email setup:
- One email to establish your private password.
- A second encrypted email to securely upload your sensitive financial documents.
Equipped with 100 GB of secure storage, this portal serves as our safe, encrypted hub throughout your entire transaction.
3
Loan File Setup & Analysis
See how your documentation is reviewed and prepared.
Loan File Setup & Analysis
See how your documentation is reviewed and prepared.
Once your documents are uploaded, we build out your official processing file:
- Financial records and complex income calculations are loaded directly into our loan system.
- We verify every detail upfront to prepare a seamless, airtight file for underwriting submission.
4
Live Screen-Share & Custom Options Review
Compare financing scenarios together in real time.
Live Screen-Share & Custom Options Review
Compare financing scenarios together in real time.
We jump on a live screen share to review your file line-by-line, adjusting loan scenarios in real time until we land on the exact structure you want.
We then review a custom, side-by-side options report detailing exact interest rates, monthly payments, and point structures so you can choose the ideal financing strategy with complete clarity.
5
Complete Pre-Approval Package Prepared for Your Offer
See what is included when you're ready to submit an offer.
Complete Pre-Approval Package Prepared for Your Offer
See what is included when you're ready to submit an offer.
When you are ready to write an offer on a home, we order your official credit report and execute automated Fannie Mae / Freddie Mac underwriting approval.
To give your offer maximum competitive weight with the seller, we issue a complete Pre-Approval Package directly to your real estate agent:
- Official Pre-Approval Letter confirming purchase price, loan amount, loan product, and rate tier.
- Verified Proof of Funds documentation.
- Verified Proof of Credit Score.
- Automated Fannie Mae / Freddie Mac Approval Certificate.
Tailored Financing Solutions
Financing Designed Around Your Goals
Conventional Financing
Preferred terms and streamlined underwriting for primary homes, secondary residences, and standard refinances.
High-Balance Loans
Tailored solutions designed for competitive, higher-value housing markets that exceed standard conforming loan limits.
Jumbo Financing
Premium, high-limit loan structures custom-tailored for luxury residential purchases.
Investor Loans
Specialized financing structures tailored for real estate portfolios, rental acquisitions, and equity leverage.
Flexible Solutions for More Unique Financial Scenarios.
Piggyback Second Mortgages
Avoid mortgage insurance with flexible 80-10-10 or 80-15-5 loan structures.
Temporary Rate Buydowns
Lower initial payments with 2-1 or 1-0 buydown options.
HELOCs & Second Mortgages
Access home equity without refinancing your existing first mortgage.
Healthcare Professional Financing
Specialized options for doctors, nurses, and physician assistants.
Cash-Out Refinance & Equity Access
Use available equity for debt consolidation, renovations, or future investments.
Mortgage Recasting
Lower your monthly payment after a large principal payment without refinancing.
Asset-Based & Complex Profile Financing
Flexible options for self-employed and high-net-worth borrowers.
Non-Occupant Co-Borrower Loans
Allow qualifying family members to help increase purchasing power.
Bilt Rewards Partner Program
Earn rewards points on eligible monthly mortgage payments.
Note: Specialized loan programs are subject to specific wholesale lender guidelines, investor approval, and borrower qualification metrics. Programs may not be available in all jurisdictions or through all financial institutions.
— About Carole
A Personalized Approach. Exceptional Results.
With years of experience in mortgage lending, I’ve built my business around one simple idea: financing should feel personal, clear, and tailored to the individual—not like a one-size-fits-all process.
I work closely with each client from the very first conversation through closing, taking the time to understand their goals, financial picture, and the property they’re pursuing. Because I personally oversee the process from start to finish, my clients always know who they’re working with and can expect consistent communication every step of the way.
I specialize in conventional, high-balance, and jumbo financing for buyers and homeowners throughout California, with a particular focus on clients who value expertise, efficiency, and a high level of personal service.
My goal is to make even complex financing feel straightforward, thoughtful, and as stress-free as possible.
Carole
Founder & Mortgage Broker
Personalized Service
One dedicated expert guiding you every step of the way.
Trusted Expertise
Years of experience and deep industry knowledge you can rely on.
Client First
I take the time to understand your goals and deliver solutions that fit.
Proven Results
A track record of smooth closings and lasting client relationships.
Ready to Talk Through Your Options?
Whether you're purchasing, refinancing, or simply exploring what makes sense, Carole is here to help you understand your options and make an informed decision.
