Asset Based Mortgage
Portfolio to Properties: Turn Your Assets Into Opportunity
Your liquid assets—cash, stocks, bonds, and other investments—can open the door to your next property, no income documents required. With Mbanc’s Asset-Based Mortgage, you can qualify based on your portfolio value, not pay stubs or tax returns. It’s a smart way to diversify and grow your wealth through real estate—while keeping your money working for you.
MBANC’s
97% Pull-Through Rate: Confidence You Can Count On
What does a 97% pull-through rate mean for you? It means when we say you’re pre-approved, we truly mean it. Our pre-approvals aren’t just empty promises based on automated forms; they’re backed by thorough, expert evaluations of your information.
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We respect your time, your realtor’s efforts, and the importance of your property deal. With Mbanc, you can confidently move forward knowing that our pre-approved borrowers successfully reach full underwriting approval.
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Ready to experience the difference? Apply today and let Mbanc show you what true commitment looks like.
Try Our 2-Minute QuickQual
Real Estate With Real Assets
At Mbanc, we specialize in helping high-net-worth individuals turn their liquid assets into powerful buying power. Our Asset-Based Mortgage is designed for those who may not show traditional income on paper—but have strong portfolios in cash, stocks, bonds, or other liquid investments. We don’t just offer loans—we offer smarter ways to qualify.
- Loan amounts up to $4 million
- No job, W-2, tax returns, or pay stubs required
- Flexible options: 10-Year Interest Only, 30- or 40-Year Fixed
- Minimum 660 FICO to qualify
- Minimum loan amount is $250,000
- Qualify using semi-liquid and liquid assets
Amazing service and a truly exceptional team! Mbanc made the entire process smooth, fast, and incredibly easy to understand. Their team was not only professional but also kind, supportive, and truly accomdating every step of the way. I couldn’t have asked for a better experience—11/10, highly recommend!
Shirel D.
How the process works
Your wealth, your opportunities: Open doors to new possibilities
Discovery Call
You’ll speak with a dedicated Mbanc mortgage advisor to review your financial structure, ownership goals, and preferred documentation route.
Qualify With What You Own
You’ll provide recent statements showing sufficient assets to qualify—no income documents or tax returns needed.
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.
Appraisal and Underwriting
We verify the property value and finalize the approval based on your asset position—not your tax history.
Closing
Finalize your purchase or refinance and unlock strategic financing aligned with your lifestyle and investment goals.
Mortgage Solutions Tailored for all Investors
Mortgage Approval Made Simple
At Mbanc, our mortgage programs are specially crafted to match your unique financial situation. Our expert team provides premier service designed specifically for entrepreneurs, investors, and business owners.
Rental Income DSCR
Turn investment properties into steady streams of wealth and income.
Interest-Only Mortgage
Maximize your investment strategy with interest-only loans and valuable tax benefits.
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
Financing Based on What You Own—Not Just What You Earn
If you’re self-employed, a real estate investor, a 1099 contractor, or someone who has successfully built wealth through investments, business ownership, or strategic financial planning, you’ve likely encountered the same frustrating truth:
Most traditional lenders don’t understand your profile.
They demand W-2s you don’t have. They want tax returns that underrepresent your income. They slow down your transactions with outdated processes built for employees—not entrepreneurs.
At Mbanc, we offer a better alternative: the Asset-Based Mortgage Loan.
This loan lets you qualify based on your liquid assets—not your employment status, not your tax filings, and not your income documentation. It’s smart lending for people who have already proven their financial strength.
Ready to Get Started?
Speak with an Mbanc Loan Expert today and get personalized guidance for your mortgage needs.