LUXMAC® Home Mortgage Excellence in home lending
 
Home   |   Loan Application   |   Loan Programs   |   Loan Calculators   |   Resources   |   Mortgage Glossary   |   About   |   Contact   |   Login


First Name   Loan Amount
 
Last Name   Credit
 
E-mail   Monthly Income
 
Phone  
Pre-Qualify Now! Apply Now!


About LUXMAC® Home Mortgage
A leading direct lender providing Super Jumbo Loans on Luxury Estates nationwide. The LUXMAC® brand of loan products offers 1-4 family residential mortgages from $1 Million to $40 Million We offer the most extensive line of non-conforming loan products in the industry and are considered "the industry experts" in  super jumbo residential financing.

For 28 years, LUXMAC® Home Mortgage has been providing our High Net-worth Clients with unparalleled expertise, great service and competitive pricing. We do business via phone, mail and internet. Without the overhead and high operational costs of other lenders, we can pass the savings onto our clients.

LUXMAC® Home Mortgage has a simple, no-hassle application and great rates that can save you thousands on the purchase or refinance of your luxury home. Our unique approach to mortgage banking is enhanced by our creative expertise and ability to Get it Done.

Call one of our Private Client Executives today at: 866 GO LUXMAC (465-8962) and find out how simple it is to close a loan with us. You'll be joining other successful clients who are taking advantage of our creative financing expertise and our best and lowest offers of the most extensive loan product line in the industry. This is the way your loan closing should be. Simple, easy, direct! Saving you money!

What we offer

  • Extremely competitive adjustable and fixed rates
  • Great service and fast turnaround
  • High-touch underwriting: allowing exceptions and compensating factors to determine outcome of loan.
  • Lite and Full Doc types
  • LTV’s to 80%
  • CLTV's to 90% on Full doc loans
  • 1-4 Family Residences; Investment & 2nd Home; High or Low-rise Condos
  • Corporate and Asset-based financing
  • Hard money
  • Bridge loans
  • Foreign Nationals OK
  • Option ARM with low start rates
  • Builders welcome: mini perm construction loan takeout
  • Trusts, LLCs and Corporations OK

Where we lend

AlabamaALIdahoIDMissouriMORhode Island RI 
AlaskaAKIndianaINMontanaMTSouth CarolinaSC
ArizonaAZIowaIANebraskaNETennesseTN
CaliforniaCAKentuckyKYNew MexicoNMUtahUT
ColoradoCOLouisianaLANew YorkNYVirginiaVA
ConnecticutCTMaineMENorth CarolinaNCWashingtonWA
DelawareDEMassMAOklahomaOK West VirginiaWV
FloridaFLMaryland MD OregonORWisconsinWI
Georgia GA MichiganMIPennsylvaniaPAWyomingWY
HawaiiHI

Licensed Mortgage Banker, New York State Banking Department ~ Licensed by the CA Department of Corporations under RMLA. MA Lender License #1299.  Licensed Licensed/Authorized Mortgage Lender: AK, AL, AZ, CO, CT, FL, GA, HI, IN, KY, MD, MO, MT, NC, NM, NV, OK, OR, RI, SC, TN, TX, UT, VA, WA, WY State Banking Departments. Licensed/Authorized Mortgage Lender in additional states. Please inquire. 

Typical Questions Clients Ask:

What types of financing programs do you have?

We offer a wide variety of financing options to cover almost any residential loan need. The most frequently used programs are Conventional-fixed rates, and 3, 5 & 7-year balloon payment programs. Additionally, we have several zero down programs, jumbo second mortgages and home equity lines of credit. Please inquire on other programs available.

How long does it take to close a loan?

The process is continually being streamlined to accommodate faster closings. Loan approvals can be given within hours of application. Credit reports are available immediately. We draw our own closing documents and fund our own loans. The only part of the process we don't control is the appraisal and title, but with our contacts, turn-around time is very good. Loans are usually ready to close well before the standard 30 days allotted for the purchase and sale agreement.

How do your rates compare to other lenders?

Our rates are very competitive. We continually monitor the markets to ensure they remain that way. It is our goal to consistently offer loan packages with lower overall costs and rates than currently available elsewhere.

Will you be able to qualify me for a higher priced home than your competitor?

We finance exclusively in the super jumbo niche and have negotiated unique concessions with the secondary market.  One other benefit we have is that with the wide range of products we offer, sometimes a different loan product will increase what a borrower qualifies for. 

Testimonials

"Thank's for getting my loan done in record time! If it were'nt for your diligent work and follow up, my family would not be in our beautiful home right now! Enjoy the cookies and have a happy holiday"  ~Evelyn Carter, Fairfield, CT

"We worked for months with a Mortgage Broker, with no results. Our friend told us to call LUXMAC Home Mortgage and we're so glad we did. It made a big difference going with a Banker. You guy's got it done! "  ~Mr. & Mrs. Benfield, Carlsbad, CA

 "When we came to you our mortgage had been turned down at 2 other companies. You were able to structure our loan in a way that none of the other's had even looked at. And you got us more money than we had originally intended...Brilliant! We're doing an addition in the spring!"    ~John Sable, Boca Raton, Fl

"Thanks for helping us lower our monthly cost with the refinance of our home. Please contact us to discuss a refinance on our vacation home as well"    ~ Mr. & Mrs. Katz, Beverly Hills, CA

 

Equal Housing Lender