If you have significant savings or investments but limited traditional income, an Asset-Based Loan may be the key to unlocking homeownership.
Rather than relying on employment or tax returns, this program allows qualified borrowers to use their liquid assets as income — offering a smart, flexible way to demonstrate repayment ability.
At Contour Mortgage, Tim and Liz Serratt work with you to calculate your eligible assets and design a financing plan that fits your goals.
We can use funds from:
- Checking & savings accounts – Personal or joint accounts showing consistent balances.
- Securities & investment portfolios – Stocks, bonds, mutual funds, and other investment assets.
- Retirement accounts – IRAs, 401(k)s, and other qualified retirement plans.
With an Asset-Based Loan, you don’t need steady employment income — your financial portfolio can do the work for you. This program is ideal for retirees, high-net-worth individuals, and investors seeking flexibility and convenience without the red tape.
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Explore Asset-Based Loans in Vero Beach, Florida, and California with Tim & Liz Serratt of Contour Mortgage. Use funds from checking, savings, investments, or retirement accounts to qualify — no traditional income required.
What our Clients say
Trusted by families across the Treasure Coast.
Tim and his team are the best! Would have not been able to close without him. I was working with a different company before him and there was a lack of communication with what was needed to close. Tim came in with a very short time frame and was very clear with what needed to happen for me to close. He made it happen fast and smoothly. Would recommend for everyone looking for a mortgage.
Tim was absolutely amazing figuring our mortgage out. It was such a stressful situation and the first lender denied us literally at the last minute! But Tim kept us calm and reassured us that it was gonna happen. And let me tell you he did it! He pulled a rabbit out of the hat and made some magic happen! I just cannot say enough about how pleased we are with Contour. Tim and his Wife Liz make an excellent team and even followed up with us when this stressful process was all done. You can tell they really care about their clients. We will definitely be only using them in our next mortgage!
Im a 25 year old Navy veteran going through college. My wife and I wanted a house to start building our family and Tim made ut all possible. He worked with us to fix our finances, and get us into our dream house. My family and I are extremely greatful for the work that Tim did and we are hoping that if anyone is in a similar situation in life and are too scared to try, you feel a little more comfortable with letting Tim help you.