Asset Utilization Loans in Texas: A Strategic Mortgage Solution for High-Net-Worth Individuals

The Texas financial landscape has evolved dramatically with the creation of unique opportunities for high-net-worth individuals seeking innovative mortgage solutions. Asset utilization loans have emerged as a sophisticated financial instrument that’s particularly attractive to professionals in Texas's most dynamic metropolitan areas.

These non-qualified mortgage (non-QM) products offer an excellent alternative income solution that transcends traditional income verification methods.

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Wealth Ecosystems and Social Landscapes

Affluent Texans cultivate their financial and social networks in distinctive environments that reflect their economic achievements. In Houston, the River Oaks Country Club serves not just as a recreational space but as a critical networking hub where energy executives and technology entrepreneurs discuss business and investment strategies. Similarly, Dallas's prestigious Salesmanship Club, home to the AT&T Byron Nelson golf tournament, provides an exclusive backdrop for wealth management discussions.

Among the Texas-based wealth management firms supporting asset rich clients include Stone Oak Wealth Management in San Antonio, Oak Harvest Financial Group in Houston, Capital Group & Highland Capital Management in Dallas and Dimensional Fund Advisors in Austin.

Unique Financial Compensation Structures

Texas's business environment uniquely supports compensation models such as stock-based compensation packages, Restricted Stock Units (RSUs), substantial performance bonuses and equity-heavy compensation structures. The state's relatively less regulated business climate allows professionals to generate significant liquid asset balances. Technology companies, energy firms, and financial institutions frequently provide compensation packages that include:

  1. Substantial annual bonuses
  2. Long-term equity incentives
  3. Performance-based stock grants
  4. Complex deferred compensation arrangements

These compensation structures create ideal conditions for asset utilization loans as professionals accumulate wealth through diverse financial instruments beyond traditional salary.

Who Benefits from this Texas non-QM Asset-Based Loan?


Caters typically to these professional groups:

– Energy sector executives in Houston
– Silicon Hills technology innovators
– Financial services & Legal professionals
– San Antonio medical specialists
– Aerospace and defense industry leaders
– Professional athletes and celebrities


Financial profiles of ideal candidates:

– Liquid asset portfolios exceeding $750,000
– Down payment of 15% or substantial home equity
– Credit scores from 680-800s
– Retired, unemployed or low income is okay

Overview of Asset Utilization Loans

This non-QM loan provides another method for Texas borrowers to buy or refinance a home:

How is Income Calculated from My Assets?

Lenders calculate the "qualifying income" from your assets based on a percentage of your total investment portfolio, enabling you to secure a mortgage without relying on traditional income documentation.

You will requested to provide 3 months of account statements to confirm the funds have been in the acct. for 60 days or more.
Your qualifying funds are calculated using:

  • – 100% of personal checking & savings account balances
  • – 70% of investment brokerage acct. balances due to market volatility and 60% of retirement accts. due to early withdrawal penalties
  • – 100% of brokerage accounts and retirement accounts are allowed if you are over age 59 ½

The total qualifying amount is then divided by a set number of months. There are 3 methods explained in greater detail on the main asset-based loan page.

 


A Texas Success Story

A 40-something Austin technology entrepreneur sold a successful software startup. Despite substantial financial resources, he encountered significant challenges getting approved for a mortgage on a $2.4 million Barton Creek home. His income structure combines consulting fees, speaking engagements, and investment returns which created immediate obstacles with traditional banks leaving him frustrated. Big bank loan officers repeatedly rejected his application citing wildly fluctuating monthly and quarterly income.

His breakthrough came through when he reached out to a mortgage broker. The non-QM mortgage specialist recognized immediately that he was an ideal candidate for an asset utilization loan. We saw the opportunity where traditional banks saw risk.

By evaluating the borrower's asset portfolio:
-  $750,000 in liquid cash
-  $250,000 in stock investments
-  $900,000 in retirement accounts
-  748 middle credit score

They structured an asset utilization loan with:
-  7.375% interest rate
-  25% down payment
-  Loan term of 30 years
-  Debt-to-income ratio of 47
Within three weeks, the borrower closed on his home in Barton Creek. Be like him. Find a solution with us.

We have multiple no tax return lending options available subject to underwriting approval.
Additional loan choices include P&L loan, No Ratio Mortgage, Conventional Mortgage, and Short-term Bridge Loan.

What borrower's tend to ask. Check these answers


Disclosure: Minimum loan amount is $200,000 for residential loans. Loan programs are subject to change per lender at any time until the loan is approved and the rate is locked. Borrowers must be approved by underwriting. Not all applicants will qualify.