ITIN Asset-Based Loans
When your bank balance is your best reference. For ITIN holders with significant savings, we can bypass income verification entirely.
The Short Answer
We verify that you have enough liquid assets to cover the down payment, closing costs, and 12-60 months of mortgage payments (reserves). If you have the cash, we don't need to see a single paystub or tax return.
The Real Problem
Using all your cash for a down payment. In asset-based lending, the "reserves" are just as important as the down payment. It's often better to put 20% down and keep 20% in the bank than to put 40% down and have $0 left.
No Income Doc
No tax returns, no 1099s, no W-2s. We only look at your bank and brokerage statements.
Global Assets
We can often count assets held in international banks, provided they are transferred to a US bank before closing.
Fast Approval
Without complex income calculations, these loans often move through underwriting much faster than standard ITIN loans.
Asset Decision Framework
Is this right for you?
- You have at least 30-35% of the home's value in liquid assets.
- You are "between jobs" or have just started a new business.
- You want to keep your financial privacy and not share tax details.