A Jumbo & Non-QM Mortgage Resource for Financial Advisors and Wealth Managers
Specialized jumbo and Non-QM mortgage options for high-net-worth clients with complex income, significant portfolios, or asset-rich, income-light profiles.
Quick Answer
How can financial advisors help high-net-worth clients with complex mortgage qualification?
Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556) is a licensed California mortgage broker and a specialist resource for financial advisors, RIAs, and wealth managers whose high-net-worth clients need jumbo or Non-QM mortgage financing. Asset depletion loans qualify clients on liquid portfolios without requiring income documentation or disrupting investment holdings. Bank statement programs qualify self-employed clients on deposits rather than tax returns. Pledged asset programs allow clients to use investment portfolios as collateral rather than liquidating them. Broker Omar Michel (NMLS #398944, CA DRE #02131389) serves San Diego and all of Southern California through a network of 100+ wholesale lenders — not as a direct lender.
— Cascada Mortgage Advisors, Inc.
Your clients come to you for comprehensive financial guidance. When a mortgage need arises — a primary residence purchase, a second home, a refinance to free up liquidity — you want to refer them to someone who will handle it with the same level of care and specialization you bring to their financial plan.
Cascada Mortgage Advisors, Inc. specializes in the mortgage needs of high-net-worth individuals — particularly those with complex income, significant investment portfolios, or asset-rich, income-light profiles that conventional mortgage underwriting handles poorly.
We are a mortgage specialist only. We do not offer investment advisory, financial planning, or competing services. Your client relationship stays with you.
The Clients We Serve Best
We are most useful for clients whose financial profile creates challenges with conventional mortgage qualification:
Retirees with significant investment portfolios
Retirees with significant investment portfolios and minimal current income. Conventional underwriting reads $0 in employment income and declines. Asset depletion programs convert your client's liquid portfolio into qualifying income — often producing a stronger qualification than employment income would.
Self-employed executives and business owners
Self-employed executives and business owners whose aggressive but legitimate tax strategies reduce their reported income well below their actual financial capacity. Bank statement programs qualify on deposits, not taxable income.
Read the business owner mortgage guideTech executives and founders
Tech executives and founders with equity compensation — RSUs, stock options, carried interest — that creates complex multi-source income. Bank statement, asset depletion, or pledged asset programs may be the right tool depending on the client's specific profile.
High-value California property buyers
Clients purchasing high-value properties in San Diego, Los Angeles, Malibu, Rancho Santa Fe, La Jolla, or Coronado who need loan amounts of $2,000,000 to $5,000,000+. We arrange super jumbo programs through wholesale lenders that most retail banks do not offer.
How We Qualify Your Clients — Without Disrupting Their Financial Plan
Asset Depletion — Qualify on the Portfolio
Eligible liquid assets are divided by a set number of months (typically 84) to produce monthly qualifying income. The assets are not liquidated — they remain fully invested. The program simply reads the portfolio balance and converts it to an income equivalent.
A client with $6,000,000 in liquid assets produces approximately $71,429 per month in qualifying income under a standard 84-month depletion schedule — sufficient to support a $3,500,000+ mortgage at current rates with strong credit and reserves.
This program is particularly powerful for clients in the decumulation phase who have built significant wealth but have reduced earned income in retirement. Learn more about asset depletion loans.
Bank Statement — Qualify on Deposits
12 to 24 months of personal or business bank statements document income without tax returns. An expense factor is applied to business deposits. The program looks at actual cash flow rather than net taxable income.
This protects your client's tax strategy while giving the underwriter a clear view of their actual financial performance.
Pledged Asset Program
Available through select wholesale lenders — the client pledges a portion of their investment portfolio as additional collateral rather than liquidating it. This allows zero-down purchases or rate improvements without triggering a taxable event from portfolio liquidation.
This program requires coordination between the mortgage broker, the custodian holding the pledged assets, and the lender. We manage that coordination.
Jumbo and Super Jumbo
Loan amounts from $1,104,001 to $5,000,000+ for primary residences, second homes, and investment properties throughout California. We arrange these through wholesale lenders that offer more competitive pricing than retail channels on large loan amounts.
The Referral Process
We make the referral process simple for you:
- You identify a client with a mortgage need.
- Brief introduction via email or phone — one sentence describing the scenario is enough.
- We evaluate the scenario and report back to you within one business day with program options and approximate terms.
- If the client wants to proceed, we handle the consultation, application, and closing.
- We keep you informed throughout the process without requiring your involvement.
We do not contact your clients for purposes unrelated to the mortgage transaction. We do not market financial planning, investment, or insurance services. Your client relationship stays with you.
San Diego and Southern California Focus
Cascada Mortgage Advisors, Inc. serves high-net-worth clients throughout Southern California — with particular depth in San Diego County (La Jolla, Rancho Santa Fe, Del Mar, Coronado, Point Loma) and Los Angeles County (Beverly Hills, Malibu, Santa Monica, Manhattan Beach, Calabasas).
We are a resource for the FPA San Diego chapter community — one of the largest FPA chapters in the country with 400+ members — and work with advisors throughout the region.
For tax-professional scenarios, visit our CPA referral resource.
Our Credentials
Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556) is a licensed California mortgage broker with access to 100+ wholesale lenders offering jumbo, Non-QM, asset depletion, bank statement, pledged asset, and DSCR programs. As a broker rather than a direct lender, we submit each scenario to multiple lenders and return the most competitive available terms.
Broker Omar Michel (NMLS #398944, CA DRE #02131389) has 15+ years of experience serving high-net-worth clients throughout San Diego and Southern California. Initial consultations are confidential and require no credit pull.
Frequently Asked Questions
Contact Us for a Professional Referral
Use the form below to describe a client scenario or ask a question. We respond within one business day.
This form is for professional referrals from advisors and wealth managers. Consumer inquiries can be directed to our main contact page.