MortgageFi · Financing with perspective.
A broader view.
A considered beginning.
Asset utilization / depletion
Explore whether eligible assets can support qualifying income under a lender’s asset-utilization method. Account type, access, and required reserves affect the calculation.
A considered fit.
Borrowers with substantial eligible assets and a less conventional income profile.
The details that matter.
- Not every asset or account balance is eligible.
- Haircuts, ownership, access, and calculation periods vary.
- Assets used for closing or reserves may receive different treatment.
Prepare for the conversation.
- Recent eligible account statements
- Account ownership and access information
- Income, liabilities, and property records
This is an initial discussion checklist. The applicable lender may require additional documents and uses its own eligibility and calculation rules. Do not send sensitive documents through this preview.
A broader view.
More possibilities.
Bank statement loans
Explore an alternative income-documentation path using eligible bank statements. Deposits need to be reviewed for qualifying income rather than treated as income automatically.
1099 income loans
Explore qualifying income using eligible 1099 documentation. Review the work history, expenses, and consistency behind the reported income.
Profit & loss loans
Explore a lender-specific income path built around an eligible profit and loss statement. The preparer, reporting period, and supporting records need review.
Your next chapter.
Consider the possibilities.
Begin with a goal. Explore your possibilities. Prepare for the conversation.