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Asset Based Mortgage Lenders

Below are some of the advantages that asset based mortgages (also known as “asset depletion loans”) offer:

  • Qualify with a credit score as low as 500.

  • Loan amounts up to $7,500,000.

  • LTVs up to 75% (purchase or cash out refinance).

  • Divide assets by only 60 months to create qualifying “income”.

  • Available to finance primary residences, second homes, and investment properties.

How it Works

What is an "asset based mortgage"?

An asset based mortgage is a type of mortgage program that allows you to qualify using your assets instead of income.  You are not required to be employed, or to have any income.  Instead your assets are used to determine your ability-to-repay your mortgage.  These programs are also known as “asset depletion loans”.

What types of assets can be used?

The types of assets that you can use depends on the lender.  Most asset based mortgage lenders will let you use 100% of your liquid assets, and a percentage of your retirement and investment accounts (usually around 70%).  The total amount of your eligible assets will then be divided by a certain number of months (such as 60 months) to create your qualifying “monthly income”.  

How do I know if I qualify?

If you would like to see if you qualify for an asset based mortgage, please request to get matched with a lender.  You will be provided with a free consultation, and the opportunity to get pre-approved for an asset depletion loan.