Asset-Based Mortgage Loan
A Flexible, Intelligent Lending Solution for High-Net-Worth and Self-Made Borrowers
What is an Asset-Based Mortgage Loan?
An Asset-Based Mortgage Loan is a Non-QM (Non-Qualified Mortgage) solution that allows you to qualify for a home loan based on your verified liquid assets, rather than your income.
Instead of asking for tax returns, pay stubs, or business financials, we use your bank, investment, or retirement accounts to determine your ability to repay.
This makes it an ideal option for high-net-worth individuals or investors who:
- Are retired or semi-retired
- Have significant investments but low reportable income
- Live off dividends, capital gains, or distributions
- Choose not to show high income for tax efficiency
At Mbanc, we calculate a monthly income figure based on your asset balances, giving you the ability to qualify without being penalized for how you manage your wealth.
Who is an Asset-Based Loan For?
This loan is ideal for:
- Self-employed business owners who reinvest profits and minimize taxable income
- 1099 contractors with fluctuating income who maintain strong savings
- Real estate investors with equity, cash flow, and diversified holdings
- High-net-worth individuals with substantial liquidity but no desire to disclose traditional income documentation
- Retired or financially independent borrowers living off assets rather than earned income
If you have money, but don’t want to spend weeks justifying how you made it, this loan was built for you.
What Types of Assets Can Be Used?
- Checking and savings accounts
- Brokerage and investment accounts
- Retirement accounts (401(k), IRA, RRSP)
- Trust accounts
- International assets (in some cases)
Our team will analyze your total asset profile and calculate a qualifying monthly income equivalent, based on industry-approved formulas.
The Benefits of Using an Asset-Based Loan with Mbanc
1. Qualify Without Income Documents
No W-2s, no 1099s, no tax returns required. Approval is based on your verified assets and the strength of your financial position.
2. Use What You Already Have
You’ve worked hard to build your wealth. Now you can use your investment accounts, savings, or retirement funds to qualify—without liquidating or disrupting your strategy.
3. Faster, Simpler Process
Traditional underwriting can take weeks. Our asset-based programs are streamlined, secure, and designed to close in as little as 21 to 30 days.
4. Purchase or Refinance with Confidence
Whether you’re buying a luxury primary home, a vacation residence, or refinancing to create liquidity, this loan offers the flexibility you need without unnecessary delays.
5. Custom Structures for Complex Financial Profiles
Mbanc offers interest-only options, jumbo limits, and custom terms for borrowers who need strategic leverage—not just basic financing.
How the Process Works
Step 1: Discovery Call
You’ll speak with a dedicated Mbanc mortgage advisor to review your financial structure, ownership goals, and preferred documentation route.
Step 2: Submit Asset Statements
You’ll provide recent statements showing sufficient assets to qualify—no income documents or tax returns needed.
Step 3: Loan Structuring and Pre-Approval
We’ll match you with a loan product that fits your goals and timeline. You’ll receive a strong pre-approval to move forward confidently.
Step 4: Appraisal and Underwriting
We verify the property value and finalize the approval based on your asset position—not your tax history.
Step 5: Closing
Finalize your purchase or refinance and unlock strategic financing aligned with your lifestyle and investment goals.
Why Choose Mbanc?
We specialize in lending to people who no longer fit traditional models—and never wanted to.
We understand:
- How to underwrite asset-rich clients without overcomplicating the process
- Why high-net-worth borrowers value discretion, speed, and precision
- That financial complexity is not a weakness—it’s a strength
Our asset-based lending process is fast, tailored, and built around one thing: closing your loan without hassle.
Ready to Leverage Your Wealth?
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