Our mission is to provide a wide array of mortgage solutions with integrity, creativity, experience and understanding.

Clients in need of financing are often in the midst of major live changes--sometimes positive, and sometimes very challenging--when they reach out to us for help. While positive events often prompt the desire to buy or refinance a home, divorce, death, derogatory credit, a need to access equity or consolidate debt are also common events which create an urgent need for a mortgage solution.

Today, due to instability in the financial markets, there have been many changes to Jumbo and specialty products, but rates are at all-time lows!

Now is an outstanding time to complete a refinance of your home or investment property.

Apply now for your refinance so we can help lower your monthly payment, consolidate debt, or pay off your loan sooner. We offer extremely competitive rates, quick turntimes, and a much higher level of service than most "do it yourself" online lenders or big banks.

Working with Exception Lending keeps your business and jobs in your local community, and supports a 100% woman and LGBT owned company.

We often work in strategic partnership with independent wealth managers and financial planners, so they are able to help high net worth clients find competitively priced mortgage options (including jumbo and super jumbo loans to $25M) from a company focused exclusively on mortgages. We can qualify clients with income, assets, or equity alone. With many retail banks offering competing asset management services, protecting our referral partner's client relationships is one of our highest priorities.

Exception Lending offers a full suite of mortgage products, from "plain vanilla" full documentation agency loans, jumbo and super jumbo loans to $25M, bridge loans and hard money.

Sample Image
Jackie Cuneo
Broker/Owner 

A tenacious problem solver, Jackie understands the mortgage process from start to finish, and has always been drawn to the more complex challenges mortgage clients may bring. Since 2010, she has helped hundreds of clients purchase and refinance properties throughout California, with over $250 million of residential and commercial loans funded since 2011.

After 10 years working at some of the country's most respected mortgage lenders, she decided to launch Exception Lending as an alternative to the "big bank" experience, with a focus on providing a much wider array of solutions than a single bank or national lender, and service levels not available through an online lender or retail bank.

Sample Image
Abby Baldini
Operations Manager

Abby comes to Exception Lending with years of experience in the insurance industry, and is often the first point of contact with clients, and collaborators including title, escrow and realtors we work with. Abby joined our team to share her positive attitude, fierce devotion to the client experience, and expertise in deadline-driven and detail-focused environments. When she's not at work, you might find her working on her motorcycle, preparing for her next race. Anyone who can balance speed, accuracy and excitement is a perfect fit for our staff!

Exception Lending is an equal housing lender and equal opportunity employer. We are a 100% woman and LGBTQ owned company.

This site uses cookies to process your loan application and other features. You may elect not to accept cookies which will keep you from submitting an loan application. By your clicked consent/acceptance you acknowledge and allow the use of cookies. By clicking I Accept you acknowledge you have read and understand Exception Lending's Privacy Policy.