aSSET-BASED MORTGAGES

What Is an Asset-Based Mortgage?


An asset-based mortgage allows you to qualify for a home loan based on the strength of your liquid assets rather than just your income. Instead of requiring traditional documentation like pay stubs or W-2s, lenders review investment accounts, retirement funds, or savings to determine your ability to repay. This makes asset-based lending especially valuable for borrowers with substantial assets but irregular or hard-to-document income.


Who Benefits from Asset-Based Mortgages?


This type of non-QM loan program is designed for:

  • Self-employed borrowers with complex tax returns
  • Entrepreneurs who reinvest profits back into their businesses
  • Retirees drawing from investments instead of earned income
  • High-net-worth individuals whose income doesn’t reflect their financial stability


If you fall into one of these categories, an asset-based mortgage can open the door to homeownership or refinancing without the roadblocks of conventional lending.


How It Works


The process is simple: your assets are evaluated and divided over a set period to determine how much they could support in monthly mortgage payments. This creates a customized loan solution that reflects your true financial position—not just what’s on paper.


Why Choose an Asset-Based Loan?


  • Greater flexibility compared to traditional mortgages
  • Recognition of your complete financial picture
  • Access to competitive non-QM loan programs designed for unique borrowers


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We specialize in alternative mortgage solutions for clients who don’t fit the conventional mold. We understand that a home loan doesn't always come with a W-2, and we’re here to connect you with mortgage programs that work for you.


If you’ve been turned away from traditional financing but have strong assets, an asset-based mortgage could be the key to reaching your goals.