What We Offer
Jumbo Purchase Loans
Financing above conforming limits for primary residences and vacation properties — with flexible income documentation and asset-based qualification for high-net-worth borrowers.
Super-Jumbo Mortgages
Loans from $3M to $25M+ for luxury primary and secondary residences — sourced from private banks, family offices, and portfolio lenders with relationship-based underwriting.
Investment Property
Financing for 1-4 unit investment properties, condos, and luxury rentals — with DSCR-based qualification options and portfolio lender flexibility.
Refinance & Cash-Out
Rate-and-term and cash-out refinances for existing properties — optimized for clients seeking liquidity, rate improvement, or equity extraction for investment.
Asset Depletion / Pledged Asset
Qualification structures using investment portfolios and liquid assets — allowing clients to qualify without traditional income documentation.
Foreign National Mortgages
US residential financing for non-citizen and non-resident clients — with lenders experienced in cross-border transactions and ITIN-based qualification.
Key Advantages
- Loan sizes from $1M to $25M+ for primary, vacation, and investment properties
- Asset depletion, bank statement, and pledged asset qualification options
- Access to private banks, portfolio lenders, and family office capital
- Structures for trusts, LLCs, foreign nationals, and complex entities
- Nationwide coverage with expertise in luxury and high-cost markets
- Advisor-led process — your client's relationship stays with you
Case Studies
Intelligent Lending in Action
Real examples of how Farther has helped advisors access financing with precision and speed.
Oceanfront Estate Purchase — Asset Depletion Qualification
A retired executive sought to purchase an $11.5M oceanfront property. With substantial investment assets but limited W-2 income, conventional lenders were unable to qualify the borrower under standard income documentation requirements.
Farther placed the $8.75M loan with a private bank lender using asset depletion methodology, qualifying the borrower based on a draw-down schedule from their investment portfolio. The loan closed in 42 days at a competitive rate.
Urban Condo Portfolio — DSCR Financing for Passive Income
A wealth management client owned three luxury condominiums and sought to refinance into a single portfolio structure. The properties generated strong rental income but the client's complex business ownership made conventional income documentation challenging.
Farther structured a $3.2M DSCR-based portfolio loan, qualifying entirely on property cash flow. The consolidation simplified the client's debt structure and reduced the blended rate by 55 basis points.
Share a Scenario or Success Story
Have a client situation you'd like us to evaluate — or a success story to share? We'd love to hear it.