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.

Disclaimer: Non-QM (non-qualified mortgage) loans are designed for borrowers who may not meet standard agency or government guidelines. These loans may have higher interest rates, fees, down payment and reserve requirements than traditional conforming or government-insured loans and are not eligible for purchase or guarantee by Fannie Mae, Freddie Mac, FHA, VA, or USDA. Program terms, conditions, and availability are subject to change without notice. Not all applicants will qualify.