Premier Lending — Private Client
Financing structured for the way you've built wealth.
High-value and complex transactions require a different conversation — one that begins with understanding how your income, assets, and portfolio actually work. This practice is built for clients whose situations mass-market lenders were not designed to serve: jumbo purchases, investor portfolios, equity-access strategies, and structures that require someone with in-house authority and 29 years of originating experience.
Request a Private ConsultationPrograms
For situations that require more than a standard application.
Jumbo & Super-Jumbo
Above conforming limits — up to $3M and beyond
High-value transactions require lenders who understand them. Financing for primary residences, second homes, and estate properties across the Triangle luxury tier — without the corporate underwriting delays that kill rate locks.
DSCR for Portfolio Investors
Qualify on cash flow, not tax returns
Investment properties in the RTP corridor and Triangle market qualify based on the property's income, not your personal returns. The right structure for investors who have built portfolios or whose paper income understates real cash flow.
Bank Statement / Business Owner
12–24 months deposits in lieu of W2s
Designed for NC business owners, entrepreneurs, and executives with equity compensation. Your revenue is real — it just does not present well on a tax return. This program is built for exactly that situation.
HELOC for Established Equity Holders
Access equity without disturbing your primary rate
Wake County's 2024 revaluation created equity events for most 2018–2021 purchasers. For homeowners in Governors Club, Hope Valley, MacGregor Downs, Hasentree, and comparable communities, a HELOC accesses that equity at current rates without touching a mortgage that may be locked well below market.
Why clients in this tier choose this practice
Experience, authority, and access — in a single conversation.
29 Years Originating
Two decades of experience with the transactions that require it most — complex income structures, jumbo underwriting, non-agency programs. The situations that trip up newer lenders are routine here.
Branch Manager Authority
Decisions are made in the room. No file sitting in a corporate queue, no underwriting committee you will never speak to. In-house authority means faster answers and a direct line of accountability.
Program Access Others Cannot Match
Premier Lending's product shelf includes the programs the big banks will not do and most retail lenders cannot price competitively — bank statement, DSCR, super-jumbo, and bespoke equity structures.
Markets served
The Triangle's established luxury communities.
Active across Wake, Durham, Orange, and Chatham counties — with particular depth in the communities below and surrounding luxury corridors.
Contact
Start with a private conversation.
No obligation, no pipeline pressure. A direct conversation about your situation, what programs apply, and what structure makes the most sense given where you are.
Schedule a ConsultationJeff Williams · Branch Manager · Premier Lending · NMLS #79479 · Durham, NC