Traditional mortgages rely on regular paychecks, but what if your wealth sits mostly in investments? Asset‑based mortgages let you leverage those holdings like stocks, bonds or cash reserves to qualify for a loan, opening doors for retirees, entrepreneurs, and anyone with non‑traditional income streams.

1. How Asset‑Based Lending Works?

Instead of focusing on monthly salary, the lender reviews the liquid assets you own. A formula determines if those assets can cover loan payments for a set period, often the full term. The investments stay in your name; they simply demonstrate repayment strength.

2. Who Benefits Most?

• Retirees living on portfolio withdrawals
• Entrepreneurs with variable income
• High‑net‑worth individuals prefer cash‑flow flexibility

3. Types of Acceptable Assets

Commonly counted assets include brokerage accounts, savings, money‑market funds, and sometimes vested stock options. Retirement accounts may qualify at a discounted value due to age‑related withdrawal limits.

4. Key Advantages

• Flexible Qualification: Bypasses strict W‑2 or paycheck requirements.
• Liquidity Stays Intact: You do not need to sell investments, avoiding potential tax events.
• Competitive Rates: When backed by solid assets, rates often rival standard loans.

5. Potential Considerations

• Asset Verification: Expect detailed statements and valuation checks.
• Market Fluctuations: A dip in portfolio value could require reassessment.
• Minimum Asset Levels: Lenders set thresholds; knowing them early avoids surprises.

6. Preparing Your Application

Gather up‑to‑date account summaries, recent trade confirmations, and any partnership or trust documents. Our loan officers can pre‑review these items and suggest ways to streamline approval.

Asset‑based mortgages transform investment strength into home‑buying power without disturbing your portfolio. If your income path is unique but your assets are solid, this option could open the door to your next property. Contact our team for a straightforward assessment tailored to your holdings and goals.