Asset-Based Loan: Hawaii or California

No employment or income needed.

Asset-based lending just got a whole lot easier. Qualify with your liquid assets – in addition, 100% of the equity from your Real Estate Owned (REO) will be added to your total assets (when applicable).

Program Highlights:

  • Available in Hawaii and California
  • 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 (Hawaii CPR properties)
  • 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.

If you think your financial situation makes sense in qualifying for a loan, please contact Pacific Home Loans – email us today or call (808) 891-0415 (toll-free: 866-389-2778) during business hours to see if one of our programs is the loan you have been searching for!