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As a jumbo mortgage lender of primary and vacation homes nationwide, we have unrivaled expertise in creating and managing solutions designed for our private clients. We realize that mortgages involve more than just rates—they play a significant role in an overall wealth management strategy. That’s why our Regional Mortgage Bankers work closely with you and your advisors to provide tailored mortgage solutions that take advantage of tax opportunities, maximize cash flow and liquidity, and operate in concert with your long-term investment goals.

As a portfolio lender with deep underwriting expertise, we are able to customize our mortgages to each client’s situation, approve and close loans quickly, and provide you with peace of mind throughout the entire financing process.

Ready to develop your wealth management strategy? Let’s chat.

Hybrid Mortgage Solution

100% Mortgage Financing Option

Interest-Only Mortgage Financing

Construction to Permanent Mortgage Financing

Mortgage Loan Modification

Mortgage Pre-Approval Program

Mortgage Interest: 90-Day Rule

  • Hybrid Mortgage Solution

    Combine two mortgage products into one closing, resulting in a lower blended rate and improved cash flow. Additionally, gain the ability to manage interest rate risk. A hybrid mortgage solution is particularly attractive if you expect a future liquidity event, allowing you to customize your paydown strategy and better manage your cash flow.

  • 100% Mortgage Financing Option

    Leverage the full value of your home by pledging qualified assets in lieu of a cash down payment with the use of our 100% Financing Option in combination with one of our jumbo mortgage programs.

  • Interest-Only Mortgage Financing

    Take advantage of BNY Mellon Wealth Management’s interest-only financing feature to control your required cash flow levels. Clients who take advantage of interest-only payments may also receive incremental tax benefits while freeing up cash for other investments and opportunities.

  • Construction to Permanent Mortgage Financing

    Gain convenience and flexibility through our construction-to-permanent financing offers. Our program requires only one closing with the ability to lock into the loan product and rate at the beginning of the process.

  • Mortgage Loan Modification

    A Mortgage Loan Modification is an expedited alternative to refinancing. For a nominal fee, eligible Borrowers can opt to change the interest rate and/or product on their BNY Mellon, N.A. (“BNYM”) mortgage loan without having to re-underwrite the credit or re-appraise the home.

  • Mortgage Pre-Approval Program

    Submit an application and get pre-approved for a mortgage prior to selecting a home for purchase with our Mortgage Pre-Approval Program. While a pre-approval is not a commitment to lend, it offers an indication that BNY Mellon may provide you with a mortgage once a suitable property has been found.

  • Mortgage Interest: 90-Day Rule

    Homeowners who correctly structure their mortgage financing have an extremely valuable deduction available to them. If you recently purchased a home and did not take out a mortgage at the time of the closing, you may have a second chance to get it right but only if you act promptly.


Mortgage services, provided by BNY Mellon, N.A., are subject to credit approval.


As a result of the Secure and Fair Enforcement Act (S.A.F.E. Act). BNY Mellon Wealth Management's mortgage bankers are registered with the Nationwide Mortgage Licensing System and Registry (Registry). The unique identifier provided by the Registry for each mortgage banker is included in our S.A.F.E. ACT DISCLOSURE