Asset-Based Mortgage Program: A Flexible Financing Option for High-Net-Worth Borrowers

At Mojave River Mortgage, we understand that traditional income documentation doesn’t always reflect a borrower’s full financial picture. That’s why we offer an asset-based loan program that allows qualified borrowers to use liquid assets to demonstrate their ability to repay—without requiring employment or income verification.

✅ Program Highlights

This program is designed for borrowers with substantial verifiable liquid assets, such as cash, stocks, or retirement accounts:

• Maximum Loan-to-Value (LTV):

  • Up to 80% for purchase transactions

  • Up to 75% for refinance transactions

• Minimum Credit Score: 600 FICO

• Loan Amounts: Up to $4,000,000

• Income Documentation:Not required

• Employment:Not required

• Asset Documentation: 2 months of qualifying asset account statements

• Property Types: Owner-occupied and second homes only

• Reserves: Not required for loans at or below 75% LTV

• Asset Use: Verified liquid assets are used to determine repayment ability

This is a non-traditional mortgage product. All applicants are subject to credit, asset, and underwriting approval. Terms and conditions apply.

💡 Who May Benefit from This Loan?

This product may be suitable for:

• Retired or semi-retired individuals with large savings

• Self-employed borrowers with limited verifiable income

• High-net-worth clients who prefer not to liquidate investment portfolios

• Borrowers in career transition or earning income from unconventional sources

Example:
If a borrower has sufficient cash assets to cover the loan amount plus the required down payment, but no current employment or income, this program may provide a pathway to homeownership or refinancing—without disrupting long-term investments.

⚠️ Why This Matters

In today’s market, flexibility is key. Many well-qualified borrowers don’t meet traditional underwriting standards due to how their income is structured—or how they choose to manage their assets. Asset-based lending offers a responsible, fully documented alternative.

Our program is designed to ensure borrowers still meet ability-to-repay requirements through verified assets, not assumptions. This is not a stated income or “no doc” loan—it is fully documented through liquid asset verification.

📊 Rate and Program Update (as of publication date)

While interest rates are subject to market movement and borrower qualifications, here's a general overview of common programs we offer:

• FHA/VA/USDA: Generally in the upper 5% to low 6% range

• Conventional Conforming (up to $806,500): Mid-6% range

• High-Balance (up to $1,209,750): Typically in the 6% range

• Jumbo Loans (above $1,209,750): Typically in the 6% to 7% range

• Bank Statement Loans: Available with as little as 10% down

• Profit & Loss Loans: 20% down; no bank statements required

• 0% Down Loans: Available to qualifying borrowers up to $1.3M (minimum 620 FICO)

• DSCR Loans: Investor-only, with as little as 15% down, Nationwide

• Bridge Loans: Temporary financing with competitive rates and limited fees

• Rate Buydowns: 3/2/1, 2/1, and 1/0 buydown options available

Rates and terms are subject to change without notice and may vary based on individual borrower qualifications and county loan limits.

• Fast Closings: As quick as 12 days for pre-approved borrowers

• Expanded Options: We finance non-warrantable condos, investment properties, and more

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🗣 Ready to Explore Your Options?

If you’re working with a borrower who doesn’t fit the traditional lending box—but has strong financial reserves—we’re here to help you find a solution.

📞 Phone/Text: (760) 713-6137
📧 Email: Bo@MojaveRiverMortgage.com
🌐 Apply online or learn more at: http://MojaveRiverMortgage.com/Apply-now

👇 Required Legal Disclosures

This is not a commitment to lend. All loans are subject to credit approval and program guidelines. Not all applicants will qualify. Rates and terms are subject to change without notice. Mojave River Mortgage is an equal housing lender.