High Net Worth Individuals
Financial security and wealth accumulation are goals we all strive for—whether to enjoy a luxurious lifestyle or to create generational wealth (a purpose we deeply value). However, high-net-worth individuals often face unique challenges when securing financing because much of their wealth is tied up in assets rather than liquid cash. Traditional lenders prioritize liquidity to ensure funds are readily available in the event of a loan obligation.
To address this, we offer specialized asset-based lending programs, including Asset Depletion. This method allows individuals to qualify for a mortgage by using their assets as income, averaged over a specified period. Eligible assets include:
- Retirement Accounts (401k, IRA)
- Checking, Savings, and Money Market Accounts
- Stocks, Bonds, and Mutual Funds
By consolidating multiple asset accounts and calculating their average value over time, borrowers can use this as their sole income source for home purchases, refinances, or cash-out transactions.
Our expertise in high-net-worth lending solutions ensures that your wealth works for you—providing the flexibility and access needed to secure the financing you deserve. Let us help you explore the best mortgage options tailored to your financial profile.
