💼 Asset-Based Mortgage Loans
“Qualify using your liquid assets — not your income.”
📘 What Is an Asset-Based Loan?
An Asset-Based Mortgage (also known as Asset Depletion Loan) allows you to qualify based on your banked or invested assets rather than traditional income. These loans are ideal for borrowers who may not have steady income but have substantial reserves in the bank, retirement accounts, or brokerage portfolios.
✅ Who Are These Loans For?
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✅ Retirees with no traditional income
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✅ High-net-worth individuals living off investments
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✅ Business owners between ventures
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✅ Clients who want to preserve privacy (no tax returns needed)
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✅ Buyers who have significant savings or retirement assets
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✅ Borrowers seeking low-DTI solutions
🧾 How Do Asset-Based Mortgages Work?
Lenders calculate your qualifying income by dividing your verified assets over a specified term — usually 60 months.
Example:
If you have $1,000,000 in liquid assets, the lender may divide that by 60 = $16,667/month qualifying income (less any down payment or closing costs).
Types of qualifying assets include:
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💰 Checking and savings accounts
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💹 Retirement accounts (IRA, 401k, etc.)
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📈 Stocks, bonds, mutual funds, and other brokerage assets
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💼 Trusts and annuities (in some cases)
Assets must be seasoned, verifiable, and liquid or convertible to cash.
🧑💼 Key Features
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✅ No employment or income verification
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✅ No tax returns or pay stubs
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✅ Available for purchase, refinance, or cash-out
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✅ Eligible for primary, secondary, or investment properties
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✅ Fixed and ARM options
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✅ Loans up to $3M+ with as little as 20% down
🧠 Common Questions
Do I need to liquidate my assets to qualify?
No — they just need to be documented and available. You won’t need to withdraw them.
Can I qualify using retirement accounts?
Yes — but only the vested, accessible portion of retirement assets is considered.
Do I need perfect credit?
No. Many asset-based lenders work with credit scores as low as 660, though higher scores may get better terms.
Can I use this loan for a second home or rental?
Yes — many lenders allow non-owner-occupied properties with higher reserves.
🧮 Asset-Based vs. Traditional Mortgage
| Feature | Asset-Based Loan | Traditional Loan |
|---|---|---|
| Income Verified By | Liquid assets | Tax returns, pay stubs |
| Employment Required? | No | Yes |
| Best For | Retirees, HNWIs, investors | W-2 earners |
| Minimum Assets Needed | ~$500k+ (depends on scenario) | N/A |
| Loan Purpose | Purchase, refinance, cash-out | All |
🔗 Related Pages
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🔒 Disclosure
This is not a commitment to lend. All loans are subject to credit approval, documentation of assets, and underwriting review. Not all applicants will qualify. Terms, conditions, and reserves vary by lender.