Asset Based Loans in Phoenix AZQualify Based on Your Assets, Not Your Income
Have significant assets but low taxable income? Asset-based loans qualify you on what you own — savings, investments, retirement accounts — instead of on your pay stubs. Great for retirees, high-net-worth individuals, and people transitioning between jobs.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need Asset Based Loans
Asset-based loans work when you have meaningful assets but your reportable income doesn't tell the story. Retirees living off investments, business owners between income events, recently sold business owners, and high-net-worth clients all use them. The lender takes your liquid assets, divides by a set number of months, and treats the result as qualifying income. The math often works very well for asset-rich borrowers.
Our Asset Based Loans Process
Here's how we close your asset-based loan. Call or text me with your asset picture — savings, brokerage accounts, retirement, and any other liquid investments. I'll match you with the right asset-based lender. The lender will verify your accounts and calculate your qualifying income from them. Pre-approval usually takes a day or two. Most close in 25 to 35 days.
Asset Based Loans Cost in Phoenix
Asset-based loan rates are usually slightly higher than conventional because of the alternative documentation. Your rate depends on the program, your assets, your credit, and your down payment. I shop dozens of asset-friendly lenders to find the best rate. Every fee in writing.
Why Choose Us
Asset-based loans are a niche product most banks don't offer well. I work with specialty lenders who underwrite these all the time. Ten years in the business and 50-plus five-star reviews. Same-day response on every call and text.
Ready to Get Started?
Asset-rich but income-light? Call or text Mark at (480) 690-9790 today.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.