Tired of traditional lenders overlooking your real worth? Our asset-based mortgage program allows you to qualify using your investment portfolio and borrower’s assets, so you can secure your dream home without disrupting your financial strategy.
ASSET-BASED MORTGAGE LOANS
Secure home loans based on your assets, not your income.
The high-net-worth borrower’s dilemma.
You’ve built substantial assets through years of hard work and smart decisions. Yet, when you try to secure a home loan, you’re met with a frustrating paradox: despite your significant assets, you’re told your monthly income on paper is too low to qualify.
Traditional lenders get stuck on W-2s and pay stubs, demanding complex tax returns with K-1s and 1099s that simply don’t capture your real net worth or income level. This outdated process can make you feel undervalued and misunderstood. Worse, you risk missing out on desirable property because of a slow, inflexible lending system that wasn’t designed for self employed borrowers or high-net worth individuals with non-traditional income sources such as irregular or seasonal income.
The asset-based loan: The smart solution.
An asset-based mortgage is a powerful home financing option designed specifically for borrowers with substantial assets but irregular or non-traditional income. Instead of focusing on your debt-to-income ratio (DTI) and estimated monthly income, we consider your total eligible assets.
This includes your investment accounts, retirement accounts, money market accounts, trust funds, and savings to determine your eligibility. With asset-based loans, you’ll be able to leverage your portfolio to finance a property purchase without liquidating well-performing investments.
A streamlined path to your new home.
We’ve engineered our asset-based mortgage program to be efficient, transparent, and tailored to your needs. Here’s what you can expect.
Program highlights:
- As little as 20% down payment: Secure business financing for your property purchase with a flexible down payment.
- Close in as fast as 10 days: Move quickly on your desired property with our expedited process.
- Primary home, second home, and investment properties eligible: Our financing options cover a wide range of real estate goals.
- Loans up to $3 million+: Secure a maximum loan amount that reflects your true asset value.
We handle the paperwork
Our experienced loan officers specialize in complex financial profiles. We’ll guide you through the bank accounts and asset verification process to ensure a smooth, streamlined experience. We’ll also create a clear checklist and help you gather what’s needed, taking the stress off your shoulders.
Why you should partner with Directions Home Loan.
Unlike large, impersonal national lenders, we provide a level of service and local expertise that makes a real difference.
Personal service
You’ll work with a dedicated, senior loan officer from start to finish — something you won’t find with most other asset-based lenders. We take the time to understand your unique financial situation and find the right solution.
Local expertise
We’ve been navigating the real estate market for over 17 years. We understand its nuances and have the local connections to get the best deals.
Trust and reputation
Our reputation is built on trust and results. We are committed to providing transparent loan terms and exceptional service to clients right here in our community.
Insightful blog articles
Stay informed with our latest insights on asset-based lending, real estate trends, and financial strategies.
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Frequently Asked Questions
What assets can be used to qualify for an asset-based mortgage loan?
Eligible assets include liquid assets held in checking/savings accounts, stocks, bonds, mutual funds, vested funds in retirement accounts (e.g., a 401(k) or IRA), life insurance policies, accounts receivables, and other assets. We’ll conduct a thorough review to determine your total eligible assets and asset value to determine the loan amount.
Are interest rates on asset-based mortgages higher?
While the interest rate can be higher than conventional mortgages, this home loan gives you access to financing you would otherwise be denied. It allows you to buy your desired property without the high cost of liquidating well-performing assets or missing the opportunity altogether.
Is this a legitimate, standard mortgage product?
It is a well-established non-QM (non-qualified mortgage) home loan, designed specifically for credit-worthy borrowers with unique financial profiles, such as retirees or those with significant assets but lower reported monthly income.
How much documentation is really required?
The focus is on asset verification, not income history. We primarily use bank accounts and brokerage statements to verify your total asset value. Our team will provide a clear checklist and guide you every step of the way to make the loan application process as simple as possible.
How does the lender evaluate my credit history and credit score for an asset-based mortgage?
While asset based mortgages primarily focus on your total eligible assets and asset value, the lender still evaluates your credit history and credit score to ensure you meet the minimum requirements. This helps determine your eligibility and may influence your interest rate and loan terms. Maintaining a strong credit profile can lead to lower interest rates and better loan agreements, making your monthly payments more affordable.
Customer Testimonials
Ready to see how your assets can unlock your next home?
Let our asset-based mortgage experts provide a confidential, no-obligation analysis of your financial profile. Take the first step toward securing your property with a lender who understands you.
