Asset-Based Mortgage

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What Are Asset-Based Loans & Mortgages?

An asset-based loan or asset utilization loan utilizes assets as income. Whether you are a retiree with a small limited income, a new business, or an established company that needs to sustain a high cash flow, the ease, and benefits of asset-based loans and mortgages have made them a prevalent solution for borrowers in recent years.

What Are The Advantages Of An Asset-Based Mortgage?

Asset-based mortgages offer distinctive benefits:

The main benefit of an asset depletion program is making use of your retirement earnings and other assets to qualify for a loan. Designed for those with substantial and verifiable assets, this program works well whether purchasing a home or refinancing. Your asset amount determines your sanctioned loan amount and mortgage payments each month.

The benefit of a residential asset-based loan is that you may be approved even though you may have only a small amount of verifiable income. Many people with fixed incomes have lots of assets in various accounts. We enable you to use your help to qualify for a mortgage even if your monthly income is set.

Providing an income stream from assets is the best advantage for those with fixed income.

Why Are Asset-Based Mortgages Essential?

If you have significant assets set aside, you may be a good prospect for an asset-based mortgage, using your liquid assets to qualify for a mortgage.

Rather than investing all your money in a home upfront and putting it at risk, we can help you get the mortgage required to use your liquid assets promptly. This will give them plenty of opportunity to keep compounding and grow your earnings. At the same time, you also invest in a home.

How Do I Know If I Qualify?

An asset-based mortgage produces an ‘income stream’ from your assets by depleting them over the mortgage term. It’s how you qualify for a mortgage despite not having a traditional income.

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