You shouldn't have to sell your portfolio to buy a house.
If your wealth is in assets rather than a monthly paycheck, most lenders don't know how to read your file. Some programs are built specifically to.
Banks measure income. You built assets.
Retired, between ventures, or living on investments, you can be objectively wealthy and still look unqualified on a traditional application.
So people liquidate. They sell appreciated positions, trigger capital gains, and pull money out of the market permanently to pay cash for a property. Sometimes that's right. Often it's the most expensive option on the table, and nobody showed them the alternative.
Programs commonly used
Asset-Based (Asset Depletion) Programs
Certain lenders can use savings, brokerage, and retirement assets to support qualification without requiring you to sell them.
Bank Statement Programs
If you still have business income, deposits may tell a better story than tax returns.
Investor Programs
For an income property, the rent itself may carry the qualification.
Coordinated Planning
We work alongside your financial advisor and CPA so the financing supports the plan rather than disrupting it.
Program availability, terms, guidelines, and documentation requirements vary by lender and are subject to underwriting and change without notice. This is not a commitment to lend.
The honest answers
“Is this a reverse mortgage?”
No. These are standard purchase and refinance loans that use a different qualification method.
“Will I have to move my money to a specific bank?”
Not with us. We're a mortgage broker, not an investment firm. Your assets stay where they are and with whoever manages them.
“Is the rate much higher?”
Compare it honestly against the capital gains tax and lost growth from liquidating. We'll lay out both.
Three minutes. Twelve questions. A straight answer.
No credit check, no documents. See where you stand and which programs are commonly used.
Common questions
Let's look at your file together.
One conversation is usually enough to know whether a path exists.