PRIVATE CLIENT
Financing for wealth that does not arrive as a paycheck.
For entertainment, sports and public figures, and for high-net-worth families and family offices. Fast Financial is a California mortgage broker (NMLS #2226871) that qualifies you on assets, deposits, rent or contracts instead of a W-2, places the loan with one lender, and keeps the file between you, your team and one broker.
How we qualify complex wealth
| What you have | How we use it |
|---|---|
| Investment portfolio, cash, retirement accounts | Asset depletion: the balance is converted to qualifying income, no employment needed. |
| Business deposits instead of a salary | Bank-statement loans on 12 or 24 months of deposits; P&L-only where it fits. |
| Royalties, residuals, endorsements, irregular contracts | Averaged and documented the way the guideline allows, placed with a lender that has seen it before. |
| Rental income from a portfolio | DSCR loans on the property’s own rent, blanket loans across several doors. |
| Trust or LLC ownership | Vesting in the trust or entity from the start, coordinated with your attorney before the offer is written. |
Loan sizes and structures
Jumbo and super-jumbo
Loan amounts above the conforming limit, including balances most banks will not touch without a private-banking relationship.
Purchase, refinance and cash-out
Including cash-out on properties held free and clear, and rate-and-term on loans that were originally private-bank money.
Second homes and estates
Malibu, the Westside, the hills, a ranch outside the city. Second-home and non-owner-occupied programs on large balances.
Bridge to a sale
Buy the next property before the current one closes, without forcing a public sale on someone else’s timeline.
What discretion means in a mortgage
An NDA on request, before any document moves. One broker from the first call to funding. Documents through the secure client portal, never email. Your business manager, attorney and wealth advisor hear from one person, and only what each needs. The loan is placed with a single lender chosen for your file, not shopped across a marketing list. We will never name a client, imply that a specific person is a client, or describe a loan.
Who this is for
Entertainment, sports and public figures
Income that arrives as contracts, residuals, royalties and endorsements, often through a loan-out corporation, and a purchase that should not show up in the trades before it closes.
High-net-worth families and family offices
Wealth held in portfolios, entities and trusts rather than a salary, buying for the family or for the next generation, with an advisor team that expects to be kept in the loop.
Physicians, attorneys, contractors, investors and other professionals with complex income are covered on Professions we serve. Private client is about privacy first.
Before the first call
Do you work with celebrities and public figures?
Yes. Fast Financial arranges financing for entertainment, sports and public figures and works through their business managers, under an NDA when you want one. We never name clients.
Can I qualify without tax returns?
Often, yes. Asset-depletion, bank-statement and DSCR programs qualify on assets, deposits or rent instead of the return. That is usually the right fit for the people on this page.
Can the loan be in a trust or an LLC?
Yes, on the programs built for it. We settle the vesting with your attorney first so the lender sees the final structure from day one.
How many people see my file?
One broker end to end, and the single lender we place the loan with. No marketing lists, no lead sharing, no handing the file to a processor you have never spoken to.
Do you sign NDAs?
Yes. Say so before you send anything and it will be in place first.
I am a physician, attorney or business owner. Is this the right page?
If privacy is the first requirement, yes. If the question is how your profession’s income gets qualified, start with Professions we serve.
Related
- Professions we serve: how each profession’s income gets qualified.
- DSCR loans in California · Refinance and cash-out · Los Angeles mortgage broker
- The rest of a private purchase: SBZ Real Estate private client for the sale or purchase, SBZ Tax private client for the tax side.