WELCOME TO THE EMERALD EXPERIENCE
Arizona's experts in non-QM lending and white-glove service.
LUXURY LENDING. REDEFINED.
Emerald is the expert in non-QM and complex income lending for luxury real estate. We serve entrepreneurs, investors, executives, and trust-based wealth with precision, discretion, and complete control of the lending process.
EMERALD PRODUCTS
FLEXIBLE FINANCING OPTIONS FOR COMPLEX WEALTH
DOCTOR PROGRAM
Designed exclusively for medical professionals.
MEGA JUMBO LOANS
Institutional-level financing for elite properties
DEVELOPER SPEC FINANCING
Financing built around experience, not income.
DSCR LOANS
Finance based on
cash-flow, not
personal income
MULTI-PROPERTY BLANKET LOANS
One loan. Multiple properties. Simplified growth.
CASHFLOW PROGRAMS
For business-owners whose income doesn't fit a tax return
BRIDGE LOANS
Buy first. Sell later.
ASSET DEPLETION
Turn assets into qualifying income
INTEREST-ONLY
Cash-flow flexibility
BEGIN YOUR LUXURY HOMEBUYING JOURNEY WITH EMERALD
THE EMERALD DIFFERENCE
STRATEGIC
STRUCTURING
CONCIERGE-LEVEL EXPERTISE
WHITE-GLOVE EXECUTION
Non-QM expertise for complex income, assets, and ownership structures.
Support that extends before, during, and after closing.
Proactive communication, precision timelines, and zero handoffs.
