Guides
Insights
Guides to the mortgage, the policy and the financing. Each one cites its sources.
Start here · The program
What is a Family Office Mortgage?
A jumbo mortgage paired with a separately funded, premium-financed life insurance policy. How the structure works, how it is underwritten and who it is for.
8 minute readReviewed October 8, 2026
Borrowing against wealth
Buy, borrow, die: how the strategy works and where the home fits
Buy, borrow, die means holding appreciating assets, borrowing against them and relying on a basis step-up at death. How it is managed, and the home’s role.
7 minute read
Family office
How family offices finance a home
What a family office is, why households that could pay cash often borrow to buy a home, the tools they use, and how each one is managed.
7 minute read
Jumbo and interest-only
How interest-only jumbo mortgages work
How an interest-only jumbo mortgage works, the payment step-up when amortization begins, how lenders qualify you, and how the later payment is planned.
7 minute read
Life insurance
Indexed universal life (IUL): an honest guide to how it works
How IUL credits interest, what the floor and cap do, how to read an illustration, how policy loans work, and how a well-built policy is kept on plan.
8 minute read
Premium financing
Premium-financed life insurance, explained
How premium financing works: who borrows, what the bank holds as collateral, how interest is handled, the planned exit, and how each part is managed.
8 minute read
Cash versus financing
Should you pay cash for a luxury home, or finance it?
For a buyer who could pay cash for a $5M home: what cash buys in simplicity and negotiating strength, what financing keeps liquid, and what changes the answer.
7 minute read
The program
The lesson of the endowment mortgage
UK endowment mortgages paired interest-only loans with investment policies. What that product got wrong, and how a managed structure is built differently.
8 minute read
By qualification
Find out if it is open to you.
Three ranges tell you where you stand against the published criteria. If you meet them, Kent Chesley will speak with you personally.
Prefer to talk? Call him directly at 949-293-8686.