Private Mortgage Counsel · California
Counsel for the
considered transaction.
For three generations, Hawthorne & Vale has arranged high-balance and jumbo financing for California's most distinguished residences — discreetly, deliberately, by hand.
The Personal Process
An unhurried, exacting engagement.
Your file is held by one counsel from introduction to close. No layers, no intermediaries, no improvisation.
- I
Introduction
A private meeting to understand the residence, the principals, and the structure that befits both.
- II
Arrangement
We engage our wholesale desks and return a considered term sheet — typically within 48 hours.
- III
Underwriting
Direct dialogue with the underwriter. Complex income and trust structures are our native language.
- IV
Closing
Coordinated with your counsel and escrow. Funded on schedule, with the discretion the property deserves.
The Broker Advantage
The advantage of independent counsel.
A retail bank serves its own balance sheet. We serve yours. With wholesale access to two dozen lenders, we arrange the program your file merits — not the one a single institution prefers to sell.
Wholesale pricing
Par rates the retail counter will not quote.
Underwriting judgment
Trust, private company, and foreign-income fluency.
Jumbo & high-balance
Loans to $20M, including non-QM programs.
Client Stories
In their own words.
"Hawthorne & Vale arranged financing for our family residence that two private banks had declined. The counsel was patient, the closing was faultless, the discretion total."
"I have used the same bank for thirty years. They could not underwrite my latest trust acquisition. Hawthorne arranged it in nineteen days. They are now my counsel of record."
"Every conversation was with the same person. Every promise was kept. In an industry defined by friction, they were effortless. I cannot recommend them more highly."
Realtor Partnerships
Counsel your listing can rely upon.
Distinguished agents refer Hawthorne & Vale because our qualifications are unimpeachable. We verify buyer strength before you counter, and we defend your close date as if it were our own.
- Same-day buyer qualification, in writing
- Private jumbo desk for residences above $5M
- Compliant co-branded presentation materials
- Weekly counsel to you and your principal
Enquire
Begin a private conversation.
Share the residence. A counsel — not an assistant — will respond personally within one business day.