Mortgage Lender Lake Forest, CA | theLender



Qualify using your liquid assets

For borrowers with high cash liquidity – Qualify for your home purchase or refinance using your liquid assets(Retirement accounts, Checking/Savings, Bitcoin balance). Our ABL loan program is specifically designed for higher net worth individuals to avoid the hassle of providing traditional income verification (W2’s, tax returns etc.) Instead, we use verified liquid assets to determine borrower’s ATR “ability to repay” for loan approval. 

Asset Based Lending

Whether you are looking to buy or refinance, you may want to consider asset qualifier loans if you have a large amount of assets and no way to prove a steady income. Borrowers may be under the impression that they are required to have a steady, 2-year work history with paystubs and w-2’s but that is not always the case. Keep reading to have a close look at Asset Qualifier Loans, also known as Asset Depletion Mortgages.
While proof of steady income may be required for certain types of loans, other loan products have vastly different stipulations. If you have a large amount of assets in a retirement account, in crypto currency, or a bank account, Asset Qualifier Loans may be just the type of loan that suits your situation the best.

Mortgage Program Highlights

Loan amounts up to $3.5 million

No W2, tax returns or pay stubs required

40 year fixed with a 10 year interest only payment available

2-4 unit mixed-use properties are eligible

Min 600 FICO to qualify

Max LTV up to 90%

Minimum mortgage amount is $150,000

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Please answer a few questions and submit this form to receive a loan estimate.

Requesting a loan estimate is simple. Best of all, there are no obligations or charges. Answer a few questions and allow us the opportunity to send you a personalized estimate and show you how our innovative ABL loan product can best serve you.