Your clients’ mortgages should fit the plan, not force them to sell investments. I work with asset-based qualifying, jumbo and portfolio loans, and equity options that keep a low first-mortgage rate.
How I help your clients
- Qualifying on assets. Asset-depletion programs turn eligible savings and investment accounts into a qualifying income figure for clients with wealth but little earned income.
- Jumbo and portfolio loans above the county limit, priced across lenders.
- Equity without giving up a low rate. HELOCs and second mortgages free up cash without refinancing the first mortgage.
- Retirement options. Reverse mortgages for clients 62 and older who want to add income or remove a monthly payment.
- Coordination with you on how accounts are documented and what stays invested.
Situations I see often
- A retiree with a large portfolio and little income wants to buy.
- A client with a low-rate mortgage needs cash for another purchase or a renovation.
- A client is buying a second home or a home above the county loan limit.
- A client wants to reduce monthly costs in retirement without selling the house.
Programs and tools
- Jumbo loans
- Second mortgages & HELOCs
- Reverse mortgages
- Cash-out refinance
- Blended rate calculator
- Loan limits by county
Questions
Can my client qualify on assets instead of income?
Yes, with asset-depletion programs: the lender turns eligible assets into a monthly income figure. Which accounts count, and at what share, varies by lender.
Should a client with a low-rate mortgage use a HELOC instead of a cash-out refinance?
Often, yes: keeping a low first-mortgage rate and adding a HELOC usually costs less than replacing the whole loan at today’s rates. The blended rate calculator shows the comparison on the client’s numbers.
Will you need account statements?
Yes, recent statements for the accounts used to qualify. I ask only for what the lender requires. See also: Document checklists.
