Asset Based Loans

Asset-Based Mortgages: Use Your Assets to Qualify

Buying or refinancing a home comes with a lot of questions—and we’re here to help you feel more prepared. Use the tools and resources below to explore your mortgage options, crunch the numbers, and get helpful tips from our team.

What is an Asset-Based Loan?
An asset-based loan allows a qualified homebuyer to use their verified liquid assets—such as savings accounts, stocks, bonds, and retirement funds—instead of relying on traditional monthly employment income or pay stubs.
How This Helps the Qualified Borrower (The Big Advantages)
  • No Traditional Job Required: If you are retired, between business ventures, or living off your investments, you may be able to leverage your existing assets to buy a home without needing a classic corporate paycheck.
  • Avoid Liquidating Investments: You may not have to sell your stocks or empty your retirement accounts to pay cash for a house. This may help keep that money invested.
  • Streamlined Qualification: The liquid net worth is used to demonstrate financial stability, eliminating the need for typical workplace verification.
How Does an Asset-Based Loan Work?
We look at the total value of your accessible liquid assets. Using a specific financial formula, we calculate how much "monthly income" those assets represent over time. If that calculated asset value covers the cost of your new mortgage and your living expenses, you may be able to obtain a mortgage loan without any traditional job requirements.
Quick Qualification Checklist for Borrowers
  • Recent statements showing your liquid accounts (savings, checking, brokerage, or retirement accounts).
  • Proof that the funds are fully accessible and under your name.
  • A standard application detailing your overall financial picture.
Is an Asset-Based Loan Right for You?
This option may be a good fit if: You are retired, a high-net-worth individual, or an investor with significant savings but no recurring monthly W-2 paycheck.

Loan Program FAQs

Here are answers to common questions about choosing the right mortgage solution.

Let’s Build Your Personalized Loan Strategy

One conversation is all it takes. Schedule your complimentary mortgage consultation today and let’s explore a home loan that works for your unique financial goals.

TML-Mark

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