Business Details
14 Years
experience
Trusted Mortgage Brokers in Beverly Hills, CA
Insignia Mortgage delivers tailored real estate financing solutions for clients with complex financial needs, including self-employed individuals, retirees, and foreign nationals. With over 14 years of industry experience and access to a network of specialized lenders, we provide competitive mortgage products for even the most challenging transactions. Our team combines deep expertise in alternative income documentation, asset-based lending, and niche programs to secure financing where traditional lenders fall short.As a California-licensed real estate broker with NMLS certification, we maintain rigorous compliance standards while prioritizing client-centric service. Our proven track record includes securing over $6 billion in loans since 2012, with an average loan size of $2 million and a 22-day average closing time. We specialize in no-tax-return loans, foreign national programs, and investment property financing, serving clients across California, Texas, Florida, and Tennessee.
Services
No Tax Return Loans
Foreign National Program
SFR Investment Loans
Asset-Based Mortgages
Bank Statement Programs
CDFI Financing
Jumbo Loans
Interest-Only Mortgages
Adjustable Rate Mortgages
Commercial Property Loans
Details
- Year established: 2012
Highlights and features
- 14 years of experience in complex mortgage financing
- Access to both major banks and niche lenders
- Specialized programs for non-traditional income verification
- Proven $6B+ loan processing track record since 2012
- Licensed by NMLS and California Department of Real Estate
Associations and certifications
- NMLS
- CA Department of Real Estate
What people say
Excellent service
Complex transactions handled
Personalized solutions
Timely closings
Expert guidance
Services
No Tax Return Loans
These programs qualify borrowers using bank statements, asset verification, and alternative documentation instead of traditional tax returns. Ideal for self-employed professionals and retirees with complex financial structures. Our underwriters analyze cash flow patterns and liquid reserves to determine eligibility, offering loan amounts up to $10 million with flexible terms.
Foreign National Program
Specialized financing solutions for international clients purchasing US property without domestic tax documentation. We verify income through overseas financial statements and asset portfolios, providing access to prime US real estate markets. Loan packages include competitive rates for primary residences and investment properties across multiple states.
SFR Investment Property Loans
Tailored financing for investors acquiring residential rental properties. Programs accommodate portfolios of 1-4 units with streamlined documentation requirements. We offer competitive LTV ratios up to 90% and flexible debt service calculations that consider projected rental income from investment properties.
Jumbo Loan Programs
Premium financing options for luxury properties exceeding conventional loan limits. Our jumbo loan programs feature competitive rates for high-net-worth individuals, with specialized underwriting that considers complex income structures and diversified asset portfolios to support larger loan amounts.
CDFI Community Loans
Government-supported mortgage programs targeting underserved communities and gig economy workers. These loans require minimal down payments starting at 30% while waiving mortgage insurance requirements. Designed for borrowers with non-traditional income streams seeking affordable financing in designated investment areas.
People
Damon Germanides
Co-founder / Broker
With over 20 years in mortgage banking, Damon specializes in solutions for high-net-worth clients. Formerly at CS Financial, he holds NMLS #317894 and DRE #01794261, combining institutional expertise with personalized service.
Chris Furie
Co-founder / Broker
A 28-year industry veteran, Chris has secured billions in complex Southern California mortgages. NMLS #357449 and DRE #01004991 licensed, he focuses on tailored financing solutions for unique client situations.
Neil Patel
Principal / Broker
Licensed CPA and mortgage broker (NMLS #1179478, DRE #01952615), Neil specializes in tax-efficient financing strategies for high-net-worth individuals with complex financial portfolios.
Noah Furie
Broker Associate
With 40+ years in private money lending, Noah (NMLS #89817, DRE #00671363) leads our bridge loan programs, leveraging extensive industry relationships to source alternative financing solutions.
Todd William Harris
Broker Associate
Head of construction lending with NMLS #221873 and DRE #01230824, Todd develops innovative financing products for real estate developers and investors nationwide.
Questions
What mortgage programs do you offer for self-employed borrowers?
We specialize in no-tax-return loans using bank statements, CPA statements, and asset verification. Loan amounts up to $10 million available with flexible qualification criteria.
Can foreign nationals obtain US mortgages through your company?
Yes, our Foreign National Program allows international buyers to purchase US property using overseas financial documentation and asset verification instead of US tax returns.
What are your minimum credit score requirements?
Most programs require minimum 660-680 scores, though exceptions exist for asset-rich borrowers or those with compensating factors demonstrating repayment capability.
How quickly can you close a mortgage?
Our average closing time is 22 days, with expedited options available for qualified borrowers needing accelerated timelines through our priority processing network.
Do you offer jumbo loan options?
Yes, we provide jumbo loans up to $25 million with competitive rates for luxury properties exceeding conventional loan limits across our service areas.
What documentation is required for no-income-verification loans?
These programs require liquid asset verification, down payment documentation, and credit history review without traditional income proof through tax returns or pay stubs.
