Purchase
Conventional
Agency-backed financing for borrowers with documented income and a clean credit profile.
- · Primary, second home, or investment
- · Competitive pricing when guidelines fit
- · Fixed and adjustable structures
Palazzo Mortgages
Financing that fits the borrower — not only the guideline.
Purchase, refinance, Non-QM, commercial, and home-equity programs structured around the actual file: occupancy, documentation, and the property.
The approach
More than one lane to a closing.
Some borrowers fit conventional boxes. Many do not. We compare agency, government, jumbo, and alternative-doc programs before the contract clock starts.
Self-employed professionals, investors, foreign nationals, and high-net-worth buyers are not edge cases here. They are the work. Palazzo Mortgages sits inside the Palazzo platform, so the financing conversation can happen next to the real estate — not months later through a separate institution.
About Palazzo MortgagesHow it works
From facts to a program that can clear.
A short sequence: purpose, property, documentation, structure, then a lender that will actually underwrite the file.
01
Purpose
02
Property
03
Documentation
04
Structure
05
Underwriting
06
Clear to close
Programs
Purchase, refinance, Non-QM, commercial, and equity.
Each family has its own pages — and a different layout from the Insights journal.
Purchase
Loan programs for buying a primary home, second home, or investment property.
Refinance
Rate-and-term, cash-out, and streamline options for existing mortgages.
Non-QM
Alternative documentation for self-employed borrowers, investors, and unique income.
Commercial
Financing for multifamily, mixed-use, small commercial, bridge, and construction.
HELOC
Home equity lines and loans for liquidity without selling the property.
Purchase
FHA
Lower down payment and more flexible credit for owner-occupied purchases.
- · Low down payment
- · Owner-occupied focus
- · Condo and SFR options
Purchase
Jumbo
Financing above conforming loan limits for higher-value primary homes, second homes, and select investments.
- · Above conforming limits
- · Second-home options
- · Relationship pricing possible
Refinance
Rate-and-term
Replace the current mortgage to change the rate, term, or both — without taking substantial cash out.
- · Lower payment or shorter term
- · Limited cash back
- · Conventional, FHA, and jumbo paths
Tools
See the shape of a payment before you request a quote.
Educational calculators using an example rate — not live pricing.
Insights
Notes on programs, markets, and the file.
How documentation, occupancy, and property type change the loan — written for borrowers, not for a rate sheet.
Process · August 1, 2026
When conventional guidelines are not the whole file
A purchase can still close when tax returns, condos, or occupancy sit outside the first program a lender names.
Investors · July 18, 2026
DSCR is a ratio, not a personality test
Investment property loans that qualify on rent versus debt service still need a real lease story.
Non-QM · June 22, 2026
Self-employed borrowers and the paper they actually have
Bank statements, 1099s, and asset utilization exist because tax returns are not always the cash-flow story.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.