My thriving bakery generates significant income, but my credit score didn't reflect that success. Traditional lenders wouldn't budge. Amish, however, championed Asset-Based Mortgage Programs. He explained how this program considers my business assets and income to qualify me for the home loan I deserved. Amish's knowledge of Asset-Based Mortgages and his focus on alternative credit solutions allowed me to finally purchase the dream home for my family.
Business Owner
With a significant investment portfolio, traditional loan limits felt restrictive. Amish, however, presented Asset-Based Mortgage Programs as a solution. He explained how these programs allow leveraging investment assets to qualify for a larger mortgage, perfect for my financial situation. Amish's expertise in Asset-Based Mortgages and his personalized approach ensured I secured the financing needed to purchase the luxurious property I desired.
High Net Worth Individual
Diversifying my investment portfolio requires exploring alternative financing options. Amish, however, presented a strategic approach using Asset-Based Mortgage Programs. He explained how I could leverage my existing stock portfolio as an asset to qualify for a mortgage on a new investment property. Amish's expertise in Asset-Based Mortgages and his strategic thinking allowed me to expand my portfolio and maximize my investment potential.
Investment Strategist
When determining loan eligibility, these programs focus on your overall wealth stored in assets (beyond just income). Consider leveraging your financial treasure chest instead of just counting coins in your pocket.
Asset-based mortgage programs are tailored for individuals with substantial assets but unconventional income streams. This includes high-net-worth individuals, entrepreneurs, or retirees whose wealth is primarily tied to investments, savings, or real estate.
Unlike traditional mortgages that rely heavily on verifiable income, asset-based programs consider the overall financial picture, making them ideal for those with significant assets but variable or non-traditional income sources. Borrowers seeking flexibility in income documentation and a pathway to homeownership based on their asset portfolio can benefit from these specialized mortgage programs.
A minimum of 620 is required to qualify. However, this can vary.
Lower DTI (ideally below 43%) indicates better affordability.
Detailed documentation of your assets (tax returns, appraisals, investment statements) and their income-generating potential.
Submit financial documents like valuations, ownership certificates, income statements, and tax returns.
Rely on our specialists versed in the dynamics of Asset-Based Mortgage Programs.
Experience a streamlined application tailored to the unique requirements of Asset-Based Mortgages.
Secure your financing with competitive rates designed for Asset-Based Mortgage flexibility.
Your assets, your way. Benefit from solutions crafted to match the nuances of Asset-Based Mortgage Programs.
Assets are evaluated based on their type, liquidity, and value. To determine the borrower’s overall financial strength and ability to repay, lenders may consider various assets, including stocks, bonds, real estate, and retirement accounts.
Yes, asset-based mortgage programs often allow borrowers to leverage a diverse range of assets to qualify for loans. This may include a combination of cash, securities, and other valuable holdings to strengthen the borrower’s financial position.
Down payment requirements for Asset-Based Mortgage Programs vary among lenders. The amount may be influenced by factors such as the type and value of assets being considered. Some programs may offer more flexibility in down payment options.
While Asset-Based Mortgage Programs are suitable for high-net-worth individuals, they are not exclusive to this group. Individuals with substantial assets, regardless of overall net worth, can benefit from these programs by using their asset portfolio to secure financing.
Interest rates for Asset-Based Mortgage Programs are influenced by factors such as the loan amount, the type and value of assets, and the borrower’s overall financial profile. Competitive rates are often available for qualified applicants.
Yes, real estate holdings can be considered part of an Asset-Based Mortgage’s asset portfolio. Lenders may evaluate the value and equity of the real estate to strengthen the borrower’s financial position.
Our program is designed to accommodate professionals from various industries with diverse asset portfolios.