The mortgage lives inside a bigger system
Most loan officers will not call your CPA. They certainly won't call your financial advisor. They'll quote a rate, push the file through, and close. The loan you get is the loan that fit their workflow — not the one that fits your life.
For high-earning clients, business owners, and pre-retirees, this is where real money is left on the table. The "best rate" is rarely the best decision when you account for tax deductibility, opportunity cost on the down payment, and how the structure affects your liquidity profile for the next decade.
What we coordinate with your CPA
Mortgage interest deductibility
Post-TCJA rules cap the deduction at $750,000 of acquisition debt for most filers. For purchases of larger homes, structuring the first mortgage at $750K and laying a HELOC or non-deductible second on top can preserve more of the deduction. Your CPA tells us where the line is in your situation. We design around it.
Entity and title structure
Holding the home in your name, jointly, in a revocable trust, or in an LLC each has different tax, liability, and underwriting consequences. We loop your CPA in before you sign the contract — moving title after closing is more expensive than getting it right upfront.
Income recognition timing
If you're self-employed and a year out from buying, the difference between taking $200K as W-2 vs. $200K as distribution can swing your qualifying income meaningfully. So can a Section 179 deduction in the wrong year. We routinely meet with clients' CPAs 6–12 months ahead of a purchase to align filing strategy.
Down payment sourcing
Cash from operating accounts, gifted equity, securities sale, margin loan, pledged-asset line, retirement loan, 1031 proceeds — each has different tax implications. The CPA models the after-tax cost of each source. We confirm which sources underwriting will accept.
What we coordinate with your financial advisor
Opportunity cost analysis
Every additional dollar of down payment is a dollar not invested. With long-term equity returns of 7–9% historically and mortgage rates in the 6s, putting 50% down to "save on interest" can cost hundreds of thousands in foregone compounding. Your advisor models the trade-off in your specific portfolio. We provide rate-and-payment scenarios at every down payment level.
Liquidity stress-testing
How does your portfolio look if you put 25% down vs. 40% in a market where equities are down 30%? Your advisor runs the bear-case. We make sure the loan structure leaves you with the reserves underwriting requires plus the buffer your plan requires.
ARM vs. fixed selection
If your advisor's plan has you in the home for 7 years, a 7/1 ARM is often dramatically better than a 30-year fixed. Most loan officers default to 30-year because it's familiar. We default to matching the loan term to your stated holding period.
Pledged-asset and securities-backed strategies
Some advisors run pledged-asset lines instead of conventional down payments. Others coordinate margin against a brokerage account. We've structured loans alongside both and know how to satisfy underwriting on the asset documentation.
If you don't currently have a CPA or financial advisor, we have several Chicago-based professionals we work with regularly and can introduce you. We do not accept referral fees from any of them.
What "coordinated" actually looks like
For a typical high-net-worth purchase, the rhythm runs:
- Week 0 — Intake call (45 min) with you, plus optional CPA and advisor. We map goals, timeline, structure preferences.
- Week 1 — Strategy memo from us with 2–3 loan structures, each with rate, payment, deductibility, opportunity-cost notes, and a short summary your CPA can review.
- Week 1–2 — Coordination calls as needed with CPA on tax questions, advisor on liquidity questions.
- Week 2 — Pre-approval issued on the agreed structure.
- Week 2 onward — House hunt and contract. When an offer goes in, we re-run scenarios on the actual property.
- Closing — 45-minute appointment. All advance authorization handled in the prior week.
Common scenarios where coordination changes the answer
- Business owner pre-exit: Time the loan for before or after the sale? Affects qualifying income, tax bracket, deductibility timing.
- Pre-retiree with concentrated stock: Sell to fund the down payment (capital gains), borrow against it (interest cost), or use asset depletion (rate add-on)? Three very different paths.
- Two-physician household: Doctor loan with no PMI vs. conventional jumbo with 20% down? Depends on where reserves earn more.
- Trust-held property: Hold in revocable trust at closing or transfer after? Affects underwriting and estate planning simultaneously.
- Refinance into retirement: Pay down vs. preserve liquidity? The "right" answer depends on guaranteed income, RMD strategy, and bequest goals.
Bring your team to the table.
Schedule a 15-minute intro call. Bring your CPA and financial advisor if you'd like — we're happy to work directly with them. No commitment, no SSN.
Schedule a CallFAQ
Will you really call my CPA?
Yes. With your written authorization we work directly with your tax and financial team on every coordination point. This is the way most of our high-net-worth files run.
Do you charge extra for this?
No. There's no fee for the planning work. Loan pricing is the same — typically .125%–.25% below market.
What if my advisor is out of state?
Most of our coordination is by phone or video. Geography is irrelevant.
Do you take referral fees from CPAs or advisors?
No. We do not pay or accept referral fees from any tax or wealth professional. The integrity of the introduction is the whole point.