The Basics of Asset Depletion Loans Explained Simply
Asset depletion loans solve a problem that a surprising number of financially strong borrowers run into without expecting it. The problem is simple to describe and genuinely frustrating to experience — significant wealth, assets that would comfortably support a...
Why High Net Worth Individuals Use Assets-Based Lending
The conventional mortgage system was built around a specific borrower profile, and it works well for that profile. Stable employment, a consistent salary, tax returns that show income in a straightforward way, and a debt-to-income ratio that fits within standard...
How Stated Income Loans Help High Earners Qualify Without Traditional Documentation
The assumption built into conventional mortgage qualification is that tax returns tell the truth about income. For a salaried employee, they largely do. For everyone else, the relationship between what the tax return shows and what the borrower actually earns is more...
Assets vs Income: A New Way to Think About Mortgage Qualification
Assets vs Income: A New Way to Think About Mortgage Qualification! The mortgage qualification conversation has a default setting, and most borrowers never question it. Income goes in, debt goes in, a ratio comes out, and the ratio either works or it doesn’t. For...
How to Replace High-Interest Debt with Smarter Mortgage Strategies
High-interest debt becomes background noise faster than it should. The credit card balance that’s been sitting at eighteen percent for two years, the personal loan that made sense when it was opened, the minimum payments that move the needle slowly enough that...
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Here you’ll find tips, updates on mortgage laws and changes that can affect your loan or approval. Check back often for more great ideas.