Legacy Mortgage Co. — Financing for Remarkable Homes
Private Mortgage Banking · Est. 2005

Financing for remarkable homes.

Jumbo and portfolio lending for buyers whose finances — and whose properties — do not fit inside an ordinary loan file. Quiet counsel, disciplined underwriting, and loan amounts to $5 million.

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Scroll — The Details Matter
$1.4BFunded to Date
20Years of Lending
9-DayAvg. Clear-to-Close
4.9Client Rating · 312 Reviews

Lending, considered properly.

Four disciplines. Each underwritten in-house, each shaped to the property in front of us — not the checkbox behind it.
Jumbo estate financing
No. 01

Jumbo Lending

Loan amounts to $5M for primary residences and second homes, with rate locks up to 90 days.

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Portfolio lending
No. 02

Portfolio Lending

Held on our own balance sheet. For complex income, trusts, and properties agencies won't touch.

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Construction and renovation lending
No. 03

Construction & Renovation

Single-close construction-to-permanent financing with draws administered by a dedicated principal.

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Refinance
No. 04

Refinance

Rate-and-term or cash-out, structured around your broader balance sheet — not just this loan.

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Three movements, one closing.

Most files clear underwriting in nine days. Here is how it actually happens.
1

The Consultation

A private conversation with a senior loan principal — your goals, the property, and the structure that suits both. No call centers, no scripts.

2

The Underwriting

Documents in, decisions out. In-house underwriters review complex income, K-1s, and trusts directly — and lock your rate the moment terms are right.

3

The Closing

Clear-to-close in nine days on average. We coordinate title, attorneys, and wires so the only thing left on closing day is a signature.

A bright, considered living room
Why Legacy

The loan should be as considered as the house.

A remarkable home rarely comes with a simple file. Restricted stock, partnership income, a residence held in trust — these are not problems to us. They are Tuesday.

Every Legacy client works with one senior principal from first call to funded wire. Your file is never handed down the line, and your questions are answered by the person who actually underwrote the answer.

Average client relationship: eleven years and three properties.

Meet the Principals

In their words.

Read all 312 reviews →
“
They closed a $3.1M jumbo in eleven days while our first lender was still asking for the same bank statement a third time.
Whitfield & Anne C.Greenwich, Connecticut
“
Our income is four K-1s and a trust. Legacy read the documents, understood them, and priced the loan accordingly. Remarkable, frankly.
Dr. Elena M.Palm Beach, Florida
“
The construction draws arrived before the builder asked. In three decades of building homes, I have never once said that about a lender.
James & Laurel T.Aspen, Colorado
A Private Conversation

Request a private rate consultation.

Share the outline of your purchase or refinance and a senior loan principal will respond within one business day — with real numbers, not a sales call.

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