Arizona Loan Options
Arizona Asset-Based Loan
At Pacific Home Loans, we make asset-based lending in Arizona more accessible and streamlined than ever. Instead of relying on traditional income verification, this innovative loan program allows you to qualify based on your liquid assets, creating a simple and transparent approval process.
Additionally, we take it a step further by incorporating the full equity from your Real Estate Owned (REO) when applicable. This means your real estate holdings can significantly enhance your total asset portfolio, increasing your borrowing power and loan eligibility.
With this progressive and flexible lending approach, we recognize the strength of both liquid and real estate assets, providing a tailored financing solution that aligns with your unique financial profile. Contact us today to explore your options with Arizona Asset-Based Lending!
Some Benefits of an Asset Based Home Loan:
Program Highlights:
- Available for Primary Residence, Second Home, or Investment property
- Qualify based on verified liquid assets, including equity from current REO
- Qualify with liquid assets + verified income (alternatively)
- Minimum FICO = 640
- Purchases: minimum 20% down
- Minimum loan amount: $300,000
- JUMBO loan amounts up to $5,000,000
- Employment and income not required
Eligible Property Types:
- Single Family Homes
- Condominiums
- Condotels
- Site Condos
- Airbnb, VRBO, etc.
Loan Terms:
- 5/1 ARM – interest only available
- 7/1 ARM
- 10/1 ARM
- 15-year Fixed
- 30-year Fixed
*These products may have a higher interest rate, more points or more fees than other products requiring documentation.
Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.
