If your wealth is tied to investments, savings, or retirement accounts — not regular paychecks — asset-based lending offers a flexible path to homeownership. Instead of focusing on income or job history, these loans use your liquid assets to qualify. Everyday Lending Group helps high-net-worth individuals and self-employed borrowers secure financing based on what they own, not just what they earn.
With an asset-based mortgage, you can leverage your bank balances, stocks, or retirement accounts instead of pay stubs or tax returns. This makes it a powerful financing option for retirees, high-net-worth individuals, and the self-employed who may not show consistent income on paper but have significant wealth.
If you’re retired or living off investments, a traditional mortgage can be hard to secure. Asset-based loans solve that by letting you qualify using your savings and liquid assets, without needing current employment or monthly income. It’s a practical option for maintaining financial freedom without jumping through income hoops.
Lenders calculate your borrowing power using a percentage of your liquid assets — typically 100% of bank accounts and up to 70% of retirement and investment portfolios. This personalized approach tailors your loan terms to your real financial position, not just your paperwork.
Unlike many conventional loans, asset-based lending can be used to buy second homes, vacation properties, or real estate investments. With loan amounts up to $3 million, and no income documentation required, this option supports savvy investors building wealth through property.
For borrowers looking for flexibility in payments, interest-only options and 6-month SOFR ARMs are available. With terms like 3/6, 5/6, or 10/6 SOFR, you get a low fixed rate for the intro period, followed by rate adjustments tied to the SOFR index — ideal for market-sensitive borrowers.
Skip the hassle of calculating your debt-to-income (DTI) ratio. Most asset-based mortgage programs don’t factor in DTI at all. Instead, approval is based entirely on your verifiable liquid assets, simplifying the underwriting process and speeding up funding.
Asset-based loans are built for borrowers whose wealth isn’t reflected in traditional income documents. If you’re self-employed, a retiree, or have irregular earnings, these loans let you qualify using your liquid assets — including bank savings, mutual funds, stocks, and retirement accounts. No employment or income verification is needed, making it easier to access financing for a primary home, second property, or real estate investment. With flexible terms, competitive rates, and options up to $3 million, asset-based mortgages put your money to work without selling off your portfolio.
If you have strong liquid assets but don’t meet traditional mortgage criteria, asset-based loans offers a smarter way to qualify. Whether you’re a retiree, business owner, or self-employed with non-traditional income, these loans use your bank accounts, investment accounts, or retirement savings as the basis for approval — no tax returns, W-2s, or income verification required.
An asset-based loan (or asset utilization loan) allows you to qualify for a mortgage using your verifiable liquid assets instead of income or job history. It’s a great option for retirees, investors, and self-employed borrowers with strong assets but limited reportable income.
You can use bank accounts, stocks, bonds, CDs, mutual funds, and retirement accounts. Lenders typically count 100% of your bank balances and up to 70% of your investment or retirement accounts.
No. Employment and income verification are not required. Approval is based entirely on the strength of your assets, making it ideal for retirees and others without traditional income.
Loan amounts range from $100,000 up to $3 million, depending on the value of your assets and the lender’s specific criteria. Your borrowing base is calculated by dividing your asset total by 60, 84, or 120 months depending on the program.
Yes. Asset-based mortgages can be used for primary residences, second homes, and investment properties. They’re a smart choice for real estate investors with strong portfolios but non-traditional income streams.
Yes. You can choose from interest-only loans or SOFR-based adjustable-rate mortgages with fixed periods of 3, 5, 7, or 10 years. These flexible structures give you more control over your monthly payments.
Everyday Lending Group offers personalized mortgage solutions, fast and accurate quotes, competitive rates, and exceptional service delivered with integrity.
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