Financing
Preferred lenders.
Luxury real estate financing is different from a standard residential mortgage. Jumbo underwriting, portfolio programs, foreign national loans, and bridge financing all require lenders with specific experience — and more importantly, ones who close on time without drama.
Below is an overview of the lending categories we work with most often. Contact Ryan for a direct introduction to the right lender for your situation.
These lenders close on time.
A delayed closing isn't just inconvenient — in a luxury transaction with a hard deadline, it can cost you the deal entirely or trigger significant penalties. Ryan's preferred lenders have strong track records closing on schedule in the Central Florida market.
They know the local market.
National lenders sometimes struggle with appraisals and underwriting on luxury properties in niche markets like Isleworth or Butler Chain waterfront. Local and regional lenders who regularly see these comparables make better decisions faster.
No commission. Just a referral.
Ryan does not receive referral fees or compensation from lenders. These are recommendations based on performance in actual transactions, not financial arrangements. You're free to use any lender you choose.
Loan programs
Which program fits your situation?
Jumbo & Super-Jumbo Loans
Luxury home purchases in Dr. Phillips and Windermere routinely exceed conforming loan limits. We work with lenders who have reliable, fast underwriting on jumbo loans from $750K to $10M+ — with programs that don't require full income documentation for high-net-worth buyers.
Ask Ryan about lenders who can turn jumbo pre-approvals in 24–48 hours rather than two weeks.
Best for
- Purchase prices $800K–$10M+
- W-2 and self-employed borrowers
- Asset-based qualification
Portfolio Lenders
Not every buyer fits Fannie/Freddie boxes — and the best Orlando properties don't wait for slow underwriting. Portfolio lenders keep loans on their own books, which means more flexibility on credit profile, property type, and income documentation.
Critical for buyers with strong balance sheets but non-traditional income streams.
Best for
- Self-employed buyers
- Complex income structures (K-1, rental income, business income)
- Non-warrantable condos
- Short-term rental investment properties
Foreign National Financing
We work with a significant number of Canadian, European, and Latin American buyers purchasing in Central Florida. Foreign national mortgage programs are available without a U.S. Social Security number or credit history — but they require lenders with specific experience in this space.
Typical terms: 30–35% down, rates slightly above conventional. Programs available for luxury and vacation properties.
Best for
- Non-U.S. residents purchasing primary or vacation homes
- Buyers without U.S. credit history
- Canadian snowbird buyers
Construction & New Development Loans
Custom home builds on Butler Chain lots or in Windermere's estate communities require construction-to-permanent financing — a two-phase loan that funds the build and then converts to a standard mortgage at completion. MaxLife Development, our sister company, works with us on many of these.
Coordination between the builder, lender, and agent at contract is critical. Ryan facilitates this intro.
Best for
- Custom home construction
- Lot purchases with build plans
- Luxury spec home financing
Bridge & Interim Financing
Selling one home while buying another — especially in a market where the right listing appears before your current home is under contract — requires bridge financing. These short-term loans use equity in your current home to fund your next purchase.
Bridge loans typically carry higher rates but provide critical negotiating flexibility in a competitive market.
Best for
- Move-up buyers with equity in current home
- Buyers in competitive offer situations
- Sellers who want to buy before they close
Get a referral
Tell Ryan what you need.
A two-minute conversation about your situation — purchase price, timeline, employment type, down payment — is all Ryan needs to connect you with the right lender. No fee, no obligation.