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Asset-Based Mortgage
An asset-based mortgage lets you qualify using your existing assets rather than traditional income. By calculating an 'income stream' from your assets over the life of the loan, this solution offers a flexible path to home financing— ideal for retirees, investors, or anyone with significant assets but limited regular income.
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Asset-Based Mortgage Information
Asset-based mortgages—also known as asset utilization loans—offer a flexible financing option for borrowers who may not have traditional income but hold significant liquid assets. Instead of relying on employment income, these loans qualify you based on your asset portfolio, making them ideal for retirees, high-net-worth individuals, entrepreneurs, and those managing cash flow in a new or growing business.
Leverage Your Assets: Use your retirement accounts, savings, or other investments to qualify for a mortgage—
whether you're buying a home or refinancing. Your loan amount and terms are based on the calculated value of your assets.
Minimal Income Requirements: Even with limited verifiable income, you can still secure a mortgage.
Asset-based loans are designed for borrowers with fixed or fluctuating income who want to put their wealth to work without sacrificing flexibility.
Preserve and Grow Your Investments: Rather than liquidating your portfolio, this loan structure allows you to retain and grow your assets
while financing your home—giving you financial peace of mind and room to plan for the future.
For individuals with substantial assets but limited regular income, asset-based mortgages open the door to homeownership or refinancing
without draining your financial reserves. This smart solution helps you maintain your investment strategy while still achieving your real estate goals.
At Bravo Mortgage, we’re here to guide you through every option—so you can make confident, informed decisions that support your financial future.
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We understand that every dream is unique and personal. If you're ready to take the next step or simply have questions.
