Athletes
- Contract-based income qualifying
- Short career-window strategies
- Relocation & second homes
Boutique Mortgage Advisory
Tailored Mortgages for High-Performers, Entrepreneurs & Visionaries.
Boutique financing solutions for non-traditional income streams, DSCR portfolios, and ultra-luxury real estate.
Over $1B+ Financed
Direct Advisor Access
Whole-Picture Strategy
Full-Spectrum Lending
Who We Serve
Income that doesn't fit a form, fits here.
We work with everyone — first-time homebuyers and W-2 employees included. Four specializations, one standard: underwriting that understands how exceptional people actually earn.
Entertainers
- Royalty & residual income
- Tour-friendly underwriting
- Privacy-first closings
Entrepreneurs
- Bank statement programs
- Write-off friendly qualifying
- Entity & vesting guidance
Real Estate Investors
- DSCR — no tax returns
- Portfolio & blanket loans
- Unlimited financed properties
Everyone Is Welcome Here
We work with everyone — and we specialize in a few.
First-time homebuyers, W-2 salaried professionals, move-up buyers, and families financing their first or fifth home are all welcome, and always have been. Over the years we've also become known for the harder files — professional and collegiate athletes, entertainers, entrepreneurs, and real estate investors whose income doesn't fit a standard form. That depth doesn't replace everyday lending; it simply means your loan is handled by an advisor who has already solved harder ones.
Loan Products
One advisory, every structure.
12/24 Month
Qualify on deposits, not tax returns.
Built for self-employed borrowers and business owners whose write-offs shrink taxable income. We average 12 or 24 months of personal or business bank statements to calculate real qualifying income.
- 12 or 24-month statement programs
- Up to 90% LTV on primary residences
- Personal or business account analysis
- Loan amounts to $5M+
Social Proof
Trusted where the stakes are highest.
High-net-worth borrowers, top realtors, and business managers trust AEE when the deal has to close.
"Two other lenders couldn't figure out my contract income. AEE closed my $2.4M home in 13 days during the off-season. Nobody else thinks like they do."
Veteran NFL Wide Receiver
Client — Athlete Mortgage
"My clients' income looks chaotic on paper — royalties, residuals, touring. AEE packages it perfectly. They're the only lender I refer talent to now."
Business Manager
Entertainment Group, Los Angeles
"I've closed 11 DSCR loans with AEE this year. No tax returns, term sheets in 48 hours, and they actually answer the phone when a deal is on the line."
Portfolio Investor
34-Unit Residential Portfolio
"As a realtor in the luxury space, my reputation rides on my lender. AEE has never missed a closing date — not once in five years."
Top-Producing Realtor
Luxury Brokerage, Miami
Client identities abbreviated to protect privacy. Testimonials reflect individual experiences; results vary.
Start the Conversation
Your next property deserves a tailored strategy.
Tell us where to reach you and a boutique advisor — not a call center — will follow up with a plan built around your income, your timeline, and your goals.
- No credit impact to explore options
- Response within one business day
- Direct line to a senior advisor