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Residential Lending Solutions

Whether you’re purchasing a home, unlocking liquidity, or structuring financing for complex assets, we offer integrated lending guidance to help you move forward with confidence.
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A lending strategy built around you

Your goals deserve a thoughtful, strategic approach – one that considers your overall financial picture, lifestyle, and long‑term vision.

Your Private Client Advisor, supported by a dedicated team of lending specialists, takes a holistic view of your finances and works with you to evaluate opportunities across your balance sheet.  Together, they design a borrowing strategy aligned with your broader goals, liquidity needs, and long-term plans – whether you’re financing a primary residence, custom property, or assessing strategic liquidity.

Strategic lending for what’s ahead

Our lending approach is designed to help you use credit purposefully – as a tool to enhance your wealth, fund investment opportunities, and support long‑term financial or estate planning.

Standard Mortgages

Standard mortgage solutions1 offer traditional financing for primary, secondary, and investment properties, with options such as fixed and adjustable‑rate mortgages or interest‑only structures. These solutions support a variety of borrowing needs—providing stability, flexibility, or payment efficiency depending on market conditions and personal financial objectives.

Custom Mortgages

Custom mortgage solutions2 are designed for more complex situations, unique property types, or non-traditional income structures.  Financing can be tailored for specialized needs such as new construction, hobby farms, vineyards, and more. These personalized solutions align with broader wealth and liquidity strategies, offering greater flexibility in terms, repayment options, and collateral to support sophisticated financial planning.

Home Equity Lines of Credit

A Home Equity Line of Credit is a flexible financing option, secured by the equity in your home, that provides access to funds for large purchases without depleting your cash reserves or disrupting your investment strategy.  This solution is ideal for home acquisition, construction, or substantial improvements, and in some cases, the interest may be tax-deductible3.

Let’s build a borrowing strategy that moves you forward

Every client’s path is unique. By taking a holistic and thoughtful approach, your borrowing strategy becomes a purposeful part of your long-term financial vision. We’re here to help you evaluate your options, structure credit strategically, and position your financial future for what comes next.

1 Capability offered by Bank of America, N.A. and its bank affiliates.

2 Borrower is responsible for fees. Minimum borrower liquidity of $3,000,000 or $5,000,000 net worth (including primary residence), and $1,000,000 post-closing liquidity. The minimum loan amount is $2,000,000. Other restrictions apply, ask for detail/n Custom residential real estate financing may involve special risks and is not suitable for everyone. Please obtain advice from your third-party legal, tax, insurance and accounting advisors before changing or implementing any financial, tax or estate planning strategy and to determine what custom residential real estate solution might be right for you.

3 Please consult your tax advisor regarding interest deductibility.

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