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Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
The asset utilization formula has two inputs: eligible assets and the divisor (84). The divisor is fixed. The eligible asset base is where optimization happens.
Tennessee’s asset utilization market is small but distinctive. Retired healthcare executives from Nashville’s hospital systems, early retirees attracted by Tennessee’s zero state income tax, and
Georgia’s asset utilization market is centered in Atlanta’s corporate executive retirement community. Delta Air Lines, Coca-Cola, Home Depot, UPS, and NCR Voyix have collectively produced
Illinois’s asset utilization mortgage market is Chicago-concentrated and trading-firm-adjacent. Chicago’s trading ecosystem has produced generations of senior professionals — former trading firm principals, portfolio managers,
North Carolina’s asset utilization market is built around two metropolitan economies that each generate concentrated populations of asset-rich borrowers: Charlotte’s financial services executive retirement community
Texas is Mbanc’s best state for asset utilization mortgage lending across every dimension that matters to high-net-worth borrowers: no state income tax on any income
California’s asset utilization mortgage market is defined by a borrower profile that doesn’t exist at scale anywhere else in the world: technology professionals who spent
Florida is not coincidentally Mbanc’s highest-volume asset utilization market. The state has been receiving the country’s highest concentration of asset-rich retirees for decades — physicians,