Asset Based Mortgage
Portfolios to Properties: Your Assets, Your Mortgage Solution
Let’s use your liquid assets to qualify. Cash, stocks, bonds, and other cash equivalents bring you one step closer to your perfect property. Besides, it’s healthy to diversify your financial portfolio with real estate investments.
MBANC’s
97% Pull-Through Rate
What is a “pull-through rate?” This is another way of saying that our word means something.
When we tell you (or a realtor) that you are pre-approved for a loan, it means you are, in fact, pre-approved for a loan.
Unlike other lenders, we won’t jeopardize your property deal or frustrate your realtor with meaningless pre-approval letters based on an online form.
We do a thorough investigation of all the information you provide us. 97% of our official pre-approvals move on to full mortgage underwriting approval. (The other 3% are usually borrowers who change their mind about the property).
Our excellent results demonstrate our unwavering dedication to clients like you.
Try Our 2-Minute QuickQual
Real Estate With Real Assets: Asset Based Mortgage Solutions
Qualify for your luxury home purchase or refinance using your liquid assets. The Asset Based Mortgage loan is specifically designed for moderate to high net-worth borrowers. We’re experts in finding alternative methods to traditional income verification using tax returns to determine your ability to repay the mortgage.
- Loan amounts up to $4 million
- No job, W-2, tax returns, or pay stubs required
- 10 year Interest Only with 30 year or 40 year fixed rate options available
- Minimum 660 FICO to qualify
- Minimum loan amount is $250,000
- Qualify using semi-liquid and liquid assets
AMAZING service and Super helpful and accommodating, really a great team!! Because of mbanc it was a very easy process and very straightforward. they have the perfect team, filled with the most kind and professional people. 11/10 would recommend!
Shirel D.
How the process works
You've accumulated wealth - now it's time to buy more real estate
Let's discuss your options
Our seasoned mortgage professionals have extensive experience working with alternative qualifying criteria, including liquid assets. Solidify your financial portfolio with a property investment that will stand the test of time. The call is at our expense.
What counts is what you have, not what you make
Usually, to qualify for a mortgage, banks want to see straightforward employment income. Instead, our certified professionals will consider your liquid and semi liquid assets, investment accounts, inheritance funds, retirement accounts.
Count on our confidentiality and trust
We understand that our clients are self-starters keen on building their financial legacy through a combination of traditional and innovative investments. Regardless of the asset class in your financial portfolio, our mbanc team will do our best to include it to qualify.
Your real estate insider
You’ve found the perfect mortgage partners to provide you with real estate market insights to build a long-term relationship. We aim to generate your repeat and referral business with an efficient and timely closing.
More mortgage programs suitable for medium to high-net-worth property investors
Mortgage Approval Made Simple
Aside from great mortgage programs, at mbanc, you’ll find enthusiastic and knowledgeable experts ready to offer you premier service.
Interest-Only Mortgage
Investors love the tax benefits for offsetting mortgage interest.
Asset Based Mortgage
Turn Liquid Assets into Home Qualification – Cash, Stocks, Bonds, and Beyond. Diversify your financial strategy and secure your dream property with real estate investments
Blog
Asset Based Mortgage Success Stories
Connect with the mbanc team to get the best rates available
Finally, you’ve found loans free from tax returns and W-2s.
Frequently Asked Questions
Contact us for a complimentary quote on our competitive rates to discover your potential qualification amount.
What is an Asset Utilization Mortgage?
An Asset Utilization Mortgage is a specialized lending solution designed for individuals who want to use their liquid and semi-liquid assets as a basis for mortgage qualification.
What are income requirements for an Asset Utilization Mortgage?
Proof of assets
- Bank Statement – Savings Account
- Retirement Funds
- 401k
- Bonds and Stock Portfolios
Eligible assets are then divided by 84 months to determine a monthly income stream.
Is an Asset Utilization Mortgage only for primary residences?
The program accommodates a wide range of property types, including single-family residences, condos (whether warrantable or non-warrantable), condo-tels, and residential units ranging from 1-4 units.
How does the Asset Utilization Mortgage differ from traditional financing?
Unlike traditional financing, the Asset Utilization Mortgage focuses on leveraging an individual’s liquid and semi-liquid assets rather than relying on employment, W-2’s, paystubs, or tax returns for qualification.
What are the rates for Asset Utilization?
Your specific mortgage rate is influenced by a range of elements: income evaluation method, down payment/equity status, credit score, loan term, income, and debt. Reach out to us for a complimentary quote on our competitive rates for self-employed mortgages and discover your potential qualification amount.
Call for more information!