Asset Based Mortgage Loans

What Is an Asset-Based Loan?

An Asset-Based Loan (ABL) allows borrowers to qualify using their liquid assets rather than traditional income verification methods. Lenders assess assets such as bank accounts, investment portfolios, or retirement funds to determine eligibility. This option is ideal for individuals with significant assets but limited or fluctuating income.

Asset Types Considered



  • Checking & Savings Accounts
  • Stocks, Bonds, and Mutual Funds (typically counted at 70–80% of value)
  • Retirement Accounts (usually counted at 60–70% of value if borrower is under 59½)
  • Trust Funds & Other Liquid Assets


Down Payment & Credit Score Requirements


  • Minimum Down Payment: Typically 10–20%, depending on loan program and credit profile.
  • Minimum Credit Score: Generally 620 or higher, though higher scores may offer better terms.


Mortgage Insurance


  • Not Required: No mortgage insurance is needed regardless of down payment size.


Unique Features of Asset-Based Loans


  • No Traditional Income Documentation: No need for tax returns, W-2s, or pay stubs.
  • Flexible Use of Assets: Borrowers retain control of their assets—no liquidation required.
  • Ideal for High-Net-Worth Individuals: Perfect for retirees, entrepreneurs, or those with substantial savings.
  • Higher Loan Limits: Often allow for larger loan amounts compared to conventional financing.


Property Types Allowed


  • Primary Residences, Second Homes, and Investment Properties: Suitable for various property goals.
  • Condos, Vacation Homes, and Luxury Properties: Eligible under most programs.
  • Assumability
  • Non-Assumable: Asset-based loans cannot be transferred to another borrower.


Ideal Borrowers for Asset-Based Loans


  • High-net-worth individuals seeking to leverage assets instead of income.
  • Retirees living off investments rather than earned income.
  • Self-employed borrowers with substantial savings or investments.

Contact Us for Asset-Based Loan Guidance

If you have significant assets and are looking for an alternative to traditional income-based loans, our team can help you navigate asset-based lending and secure the best financing solution for your needs.