Why work with us?

Have a financing option you need a rush approval for? Please text us or have your realtor call us directly at 415-958-5390

We are collaborators--even with other mortgage professionals!
We work in strategic partnership with Realtors, attorneys, independent wealth managers and financial planners, offering mortgage strategies that compliment our clients' personal and financial goals, and advocating for our referral partners.
We also collaborate with other mortgage companies and banks, to help their clients obtain bridge and private money loans, even while advocating for that existing client relationship so the banker can complete the refinance post-close. We value our colleagues and their clients, and will work as a team toward a successful purchase transaction.

Unlike many banks and mortgage companies, we are focused only on mortgage. We are partners--never competitors. 

We are experienced
With over a decade of lending experience we provide careful analysis of your whole financial picture, and financing options meant to serve your short term needs and long term financial plans. Since 2010 with over $400+ million funded, we have helped hundreds of clients purchase and refinance properties all over California. 

We are consultants

We offer a wide variety of mortgage products, including nontraditional options which work in an array of challenging circumstances. Coupled with a level of personal service that borrowers won't find working with a bank, credit union or online lender, we are here to help you make thoughtful, informed decisions about your mortgage options.

We understand real estate

We bring an in-depth approach to the local real estate market while offering financing options for owner occupied properties anywhere in California, and non owner occupied properties nationwide.


Jackie Cuneo | Exception Lending Broker & Owner 

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A tenacious problem solver, Jackie has always been drawn to the more complex challenges a mortgage client may be experiencing, and has significant experience with nontraditional mortgage options.
Jackie holds a California Real Estate Broker's license, has been a licensed Mortgage Originator since 2010.
She has helped hundreds of clients close more than $375,000,000 of mortgage financing.
Fun fact? Jackie is an accomplished sourdough bread baker, avid gardener, home restoration enthusiast, and visual artist.

Individual NMLS 340022 | Individual CA DRE 01715957
email jackie@exceptionlending.com
 Connect with Jackie on LinkedIn!


Exception Lending is an equal housing lender and equal opportunity employer.
We are a 100% woman owned and LGBT certified business.

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