ASSET-BASED
HOME LOANS
Designed for borrowers who prefer to qualify using verified liquid assets instead of traditional income documentation.
Key Features
620+ FICO | 80% Loan-To-Value (LTV) | Purchase, Refinance, & Cash-Out
Why EHGM's Asset-Based Loans Are Different​
We validate asset sources, seasoning, and allowable reserve calculations upfront, aligning with lender formulas (asset depletion, annuitization, or blended methods). That reduces conditions, avoids last‑minute surprises, and keeps your file moving smoothly through underwriting.
Lower Fees, More Asset‑Based Buying Power
As a brokerage, we compare several lenders that specialize in asset‑based underwriting. You benefit from competitive pricing, lower fees, and programs that maximize how your assets can be used—translating into stronger buying power without bank‑level markups.
More Loan Options, One Application
Different lenders calculate usable income from assets in different ways (e.g., 60–120 month depletion, varying haircut percentages, or separate treatment for retirement vs. non‑retirement funds). We shop multiple approaches to find the structure that best fits your profile.
Faster Turn Times & More Flexible Processes
We partner with lenders known for efficient asset review and responsive underwriting. That means faster decisions, fewer back‑and‑forths on statements, and clear guidance on documentation like brokerage letters, bank statements, and source‑of‑funds.
​100% of clients work directly with a licensed advisor — never a call center.
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Asset-Based Home Loans Criteria
What you can expect
Max Loan Amount
$75K to $4MM+ (loan limits will vary by lender).
Purchase, Refinance, & Cash-Out
20% down payment for purchases. Max loan-to-value is 80% for rate & term refinances and cash-out refinances.
Credit
Minimum 620+ FICO.
Residency
US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, & ITIN.
Income
No traditional income required. Assets used in lieu of income. Max 55% DTI ratio.
Assets & Reserves
Assets must be sourced and seasonsed for 60 days. Minimum 3 months reserves required. Gift funds are allowed.