If you’re an independent financial advisor — RIA, CFP, or fee-only planner — with clients who have complex mortgage needs, you’ve probably run into a wall with traditional lenders. Your client has millions in assets but modest W-2 income. Or they’re self-employed with legitimate write-offs that make their tax returns look unprofitable. Or they’re a real estate investor who needs a DSCR loan fast.

This is exactly where Advisor Aligned Mortgage comes in.

How the Referral Relationship Works

The process is simple and built around your client’s experience:

You make a warm introduction — a quick email or a heads-up that your client will be reaching out.
I handle everything mortgage-related — pre-approval, loan strategy, lender comparison, and closing. You stay in your lane.
I keep you informed — brief updates at key milestones so you’re never in the dark about your client’s situation.
Your client gets a better outcome — access to 40+ lenders and Non-QM programs that their bank can’t offer.

There’s no cost to you, no paperwork, and no disruption to your existing client relationships. You remain the trusted advisor. I handle the mortgage.

The Loan Types Your Clients Need Most

Most banks only offer conventional, FHA, and VA loans — the programs that require pristine W-2 income and low debt-to-income ratios. High-net-worth clients rarely fit that mold. Here’s what I specialize in:

Asset Depletion / Asset Dissipation

For retired or semi-retired clients with significant liquid assets but limited ongoing income, we offer two distinct programs — no employment required:

Standard Asset Depletion: We take the client’s total eligible assets and divide by 60 months to calculate qualifying income. Ideal for the client stepping off a W-2 into retirement who still wants to purchase or refinance.
Retirement Distribution (401k / IRA): We set up a monthly distribution from the client’s 401k or IRA and use that amount as qualifying income from day one — divided over 36 months. Most lenders who offer this program require a 2-year distribution history. We don’t. This is a meaningful advantage for clients who are newly retired or just beginning to draw from their retirement accounts.

Bank Statement Loans

For self-employed clients, business owners, and entrepreneurs whose tax returns understate their real cash flow. We use 12–24 months of business or personal bank statements to document income — no tax returns needed. Particularly useful for clients with significant Schedule C write-offs or S-corp distributions.

DSCR Loans for Real Estate Investors

Debt Service Coverage Ratio loans qualify based on the rental income of the investment property itself — not the borrower’s personal income. Fast closings (often 21–30 days), no income verification required, and perfect for clients building or expanding a rental portfolio.

RSU, K-1, and Carried Interest Income

Tech executives with vesting RSU income, private equity professionals with carried interest, and fund managers with K-1 distributions often face pushback from conventional lenders. These income types require specialized lender relationships — which is exactly what we provide.

Jumbo Loans

For purchase prices above the conforming loan limit ($1,149,825 in most of Southern California), your clients need a lender who works in the jumbo space regularly. We have relationships with portfolio lenders who offer competitive rates on high-balance loans.

Why Work with a Mortgage Broker Instead of a Bank?

When your client goes to their bank, that bank can only offer its own products. When they work with Advisor Aligned Mortgage, they have access to 40+ lenders competing for their loan. That means better rates, more flexible underwriting, and programs specifically designed for high-net-worth borrowers. As an independent broker, my incentive is always to find the best fit — not to push a house product.

Ready to Start a Referral Conversation?

If you have a client right now who has been turned down, is frustrated with their bank, or has an upcoming purchase or refinance that needs a specialist, reach out. A 15-minute call is usually all it takes to know if I can help.

I work exclusively in Southern California (Orange County, Los Angeles, San Diego) and keep a short client list to ensure every borrower gets real attention.

Jeff Singleton | Advisor Aligned Mortgage
📞 (949) 344-1717
✉️ jeff@saxtonmortgage.com
NMLS# 215354 | CA BRE# 01510260