Private Wealth Mortgage · Montana

Jumbo & Private Wealth Mortgage in Montana — Up to $20M+.

Whether you're purchasing in Billings, building in Missoula, or consolidating a portfolio across Montana— Sean Shallis structures jumbo and private wealth mortgages that retail lenders can't touch.

Portfolio lending. Complex income. Trust and LLC vesting. No PMI. Loans originated through U.S. Bank.

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Confidential consultation 20-minute strategy call No obligation

Private Wealth Lending in Montana

Montana's luxury markets deserve a lender who builds custom.

Sean Shallis is a national private wealth mortgage specialist backed by U.S. Bank. He personally handles every high-net-worth client — no hand-off to junior staff, no 1-800 number. Complex income, multiple properties, foreign nationals, trust purchases — Sean structures what others can't.

Whether you're an executive purchasing in Billings, a business owner building in Missoula, or a foreign national investing in Montana real estate — U.S. Bank offers portfolio lending solutions unavailable through retail channels.

Strategy Call

A confidential 20-minute call with Sean. He maps your income structure, asset picture, and Montana property goals.

Custom Structure

Sean designs your loan: income sources, asset leverage, optimal term, trust or LLC vesting — tailored to your Montana purchase.

White Glove Close

Sean manages every detail through closing. One point of contact. Private wealth processing lane. Coordinated seamlessly.

Executives & C-Suite

RSU, stock options, and deferred compensation counted as qualifying income for Montana purchases.

Business Owners

Self-employed with complex write-offs? We look at cash flow, not just your 1040. Ideal for Montana entrepreneurs.

Foreign Nationals

Non-resident buyers purchasing Montana real estate. No SSN required. Asset-based qualification available.

Multi-Property & Trust

Portfolio lending with no property count limit. Trust and LLC vesting. Perfect for Montana investment portfolios.

$20M+

Loan Amounts

No arbitrary cap — structured to your net worth

PMI on Jumbo

No private mortgage insurance, ever

Flexible

DTI Guidelines

Asset-based qualification and residual income analysis

Portfolio

Lender

U.S. Bank keeps your loan — relationship banking

Sean + U.S. Bank vs. Montana Jumbo Lenders

Most Montana lenders offer jumbo loans. Very few offer private wealth lending strategy.

Feature

Sean + U.S. Bank

Retail Jumbo

MT Private Bank

Loans up to $20M+

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Portfolio lender (keeps your loan)

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RSU/stock income counted

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Asset-based qualification

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Trust and LLC vesting

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Interest-only options

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Foreign national eligible

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Free rate renegotiation

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Single point of contact (Sean)

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AI rate monitoring (Rosie)

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Luxury Markets Across Montana

Sean works with high-net-worth borrowers in every Montana market — and nationwide.

Billings, MT

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Billings.

Missoula, MT

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Missoula.

Great Falls, MT

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Great Falls.

Private Wealth Mortgage FAQ — Montana

What are the jumbo loan limits in Montana?

Conforming loan limits vary by county in Montana, but U.S. Bank portfolio loans start above conforming limits and go up to $20M+. There is no arbitrary cap — your loan amount is structured around your financial picture, not a government guideline.

Can I use asset depletion to qualify in Montana?

Yes. Asset depletion divides your eligible liquid assets by the loan term to create qualifying income. Ideal for retired executives, business owners between ventures, or high-net-worth borrowers purchasing in Montana with significant wealth but non-traditional income.

Can I purchase a Montana property in a trust or LLC?

Absolutely. U.S. Bank regularly closes loans vested in revocable trusts, irrevocable trusts, and LLCs in Montana. No need to close in personal name and transfer after — we close directly into the entity.

Does Sean work with foreign nationals buying in Montana?

Yes. Non-resident foreign nationals can purchase Montana real estate through our private wealth programs. No SSN required. Asset-based qualification available. Typically 30-40% down payment with competitive rates.

Can RSU and stock income qualify me for a Montana jumbo loan?

Yes. U.S. Bank counts vested RSUs, stock options, and deferred compensation as qualifying income. We analyze your vesting schedule and historical grants — unlike retail lenders who often ignore non-cash compensation entirely.

Are interest-only jumbo loans available in Montana?

Yes. Interest-only periods of 5, 7, or 10 years are available on private wealth mortgages in Montana. This maximizes cash flow and provides flexibility for borrowers who prefer to deploy capital elsewhere during the IO period.

How many investment properties can I finance in Montana?

Portfolio lending means no limit on the number of financed properties. Whether you have 5 or 50 properties across Montana and beyond, we structure each loan based on your total financial picture. No property count restrictions.

How does rate renegotiation work?

Because U.S. Bank portfolios your loan (keeps it on their books), rate renegotiation is available before funding if rates drop. Sean also monitors rates post-close through Rosie — if a meaningful savings window opens, he'll reach out proactively.

Ready for a private wealth mortgage in Montana?

Book a confidential 20-minute strategy call with Sean. No obligation. No junior staff. Direct access to 30+ years of private wealth lending expertise.

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