Asset-Based Loans

Loans for High-Net-Worth Borrowers. Use your assets as a path to mortgage approval.

Traditional income is not the only way to qualify for a home loan. If you have significant assets, complex income, fluctuating earnings, or limited reportable income, an asset-based mortgage may help you purchase, refinance, or cash out without relying on tax returns, W-2s, or pay stubs.

Outdated documentation requirements should not hold back your real estate goals. Asset-based loans can offer a flexible, market-rate alternative to traditional Jumbo financing, without the same paperwork burden. Instead of relying only on income documents, we look at the strength of your assets and overall financial profile.

FLEXIBLE FINANCING BASED ON ASSETS, NOT INCOME.

Your assets tell the story. If you are self-employed, retired, an investor, or managing a complex income structure, traditional mortgage guidelines may not reflect your full financial picture. Asset-based loans are designed to help qualified borrowers use their assets as qualifying income, without requiring asset liquidation. In a competitive market, speed matters. Asset-based loans can help qualified borrowers move forward without unnecessary income documentation delays. With faster qualification conversations and fewer traditional income hurdles, your assets can become a competitive advantage. Your real estate portfolio and your assets may help open the door to flexible mortgage options. Let’s align your financial goals with a lending solution built around your full financial picture.


Key benefits may include:

  • Use assets as qualifying income
  • No tax returns required
  • No W-2s or pay stubs required
  • No liquidation required
  • Loan amounts up to $4M
  • Up to 90% LTV
  • 620+ FICO accepted
  • Fixed, ARM, and Interest-Only ARM options
  • LLC vesting available
  • Available for purchase, refinance, and cash-out refinance

ASSET-BASED LOANS WORK FOR...

Asset-based mortgage loans may be a strong fit for borrowers who have substantial assets but do not fit traditional income guidelines. This includes:

High-Net-Worth Borrowers

Retired Borrowers

Self-Employed Borrowers

Borrowers With Variable Income

Investors

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Toni was awesome in helping me through the mortgage process, her patience and knowledge of the lending aspects were a tremendous help to me!!

- Kelly, Wilmington