Executives & Professionals
Base salary, bonus, commission, RSUs, partnership income and relocation considerations.
TSGHL Private Client Advisory
Private mortgage advisory for complex income and substantial assets.
Your financial life may be complex. Your mortgage strategy shouldn’t be.
Discreet, high-touch guidance for executives, business owners, professional athletes, NIL earners, investors and asset-rich clients making sophisticated real estate finance decisions.
Complexity, understood
Substantial resources do not always fit neatly into an automated mortgage decision.
Business ownership, bonuses, RSUs, contracts, endorsement income, multiple entities, trusts, real estate holdings and investment assets can all change the way a financing strategy should be evaluated. Our role is to clarify the options, identify tradeoffs and help you move with intention.Reviewed by Marc C. Sears, Mortgage Advisor · Updated September 19, 2026
Who we serve
Financial complexity—not a label—is the starting point.
Private Client Advisory is designed for borrowers who benefit from an individualized review of how they earn, hold assets, own property and plan their next move.
Business Owners
K-1s, retained earnings, multiple entities, cash-flow analysis and alternative documentation where appropriate.
Athletes & NIL Earners
Contract compensation, signing and performance bonuses, endorsements, NIL income, business entities, mobility and compressed earning windows.
Real Estate Investors
Portfolio strategy, rental cash flow, DSCR options, liquidity needs and financing across multiple properties.
Asset-Rich & Retired Clients
Investment assets, retirement distributions, asset-depletion approaches and real estate equity strategies.
A coordinated strategy
Mortgage advice connected to the rest of your financial life.
Complex income & asset qualification
Review the documentation, timing and structures that may support qualification without reducing your financial story to a single paycheck.
Luxury & jumbo financing
Primary residences, second homes, vacation properties and investment real estate, matched to available lender guidelines.
Liquidity & equity strategies
Evaluate financing alongside liquidity goals through purchase, cash-out, HELOC, HELOAN, delayed-financing and other available structures.
Professional coordination
With your permission, we can work alongside your CPA, financial advisor, attorney, business manager, sports agent, Realtor or family-office team.
Frequently asked questions
Start with clarity.
Private-client mortgage planning begins by understanding the income, assets, timing and professional relationships surrounding the decision.
Who is TSGHL Private Client Advisory designed for?
It is designed for borrowers whose income, assets, real estate holdings or financial circumstances benefit from individualized mortgage analysis. That includes executives, business owners, professional athletes, NIL earners, investors and asset-rich or retired clients.
Can bonus, commission, RSU, contract or NIL income be considered?
Potentially. Treatment depends on the documentation, history, likelihood of continuation, loan program and lender guidelines. The initial review helps identify which details should be evaluated before a formal application.
Do I have to liquidate investments to qualify?
Not necessarily. Depending on the transaction and available programs, a strategy may consider income, eligible assets, reserves, existing real estate equity or other documented resources. Investment, tax and legal decisions should be reviewed with your own qualified advisors.
Will you coordinate with my existing advisors?
Yes, with your permission. Marc can coordinate mortgage-related information with your CPA, financial advisor, attorney, business manager, sports agent, Realtor or family-office team while each professional remains responsible for their own area of advice.
Is the Private Client Access Request a mortgage application?
No. It is a brief introductory profile used to determine the most appropriate next conversation. It is not a mortgage application, credit inquiry, prequalification, preapproval or commitment to lend.
Private Client Access Request
Tell us enough to choose the right next conversation.
This brief profile is not a mortgage application, prequalification or credit inquiry. It helps us understand your objectives and determine whether Private Client Advisory, our standard Mortgage Advisory process or another specialized conversation is the best fit.
Protect your information
Do not include account numbers, Social Security numbers, tax returns or other sensitive financial documents here. Secure document collection occurs later, if appropriate.
Important disclosure
TSGHL Private Client Advisory provides mortgage and real estate finance guidance through Marc C. Sears and Edge Home Finance, LLC. It does not provide investment, tax, legal, estate-planning or fiduciary advice. Clients should consult their own qualified advisors. Programs, rates and guidelines are subject to change and availability. Completing a Private Client Access Request is not a mortgage application, prequalification, preapproval, credit decision or commitment to lend.