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.
Localized SEO Meta Description
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.
What our Clients say
Trusted by families across the Treasure Coast.
I wanted to take a moment to thank Tim Serrat and the Contour Mortgage Team for the excellent job they did leading to purchase of my new home in Satellite Beach. Tim did an outstanding job from day one. He got me the best finance rate, explained the entire process and walked me through every step of the way. Everything happened exactly like he promised with no surprises. Tim was super responsive answering calls and clarifying any questions. To top it off he connected me with the home insurance company that ended up providing the best quote and coverage I could find. I highly recommend Tim Serrat and Contour Mortgage to anyone looking to finance or re-finance their home.
From the very first meeting with Tim I could tell he truly listened and cared about my situation he made the whole process of applying for a mortgage seem pretty easy even though I’m a single mom and the last time I bought a house was 10 years ago! Everybody at Contour mortgage is kind and helpful so glad I trusted first Scott and Janice Reynolds to even believe it was possible and then Tim made it a reality!!! Thank you to Sarah my realtor she’s a sweetheart looking at houses can be exhausting but we did it together smiling even laughing sometimes at the process of trying to find the right house for me. I highly recommend Contour Mortgage excellent team!!
I recently relocated from New York to purchase a home in Vero Beach, and Tim Serratt from Contour Mortgage came highly recommended. I’m so glad I was connected with him — he was absolutely fantastic to work with from start to finish.
Tim has a calm, reassuring demeanor that immediately put me at ease. He is incredibly knowledgeable and walked me through every step of the mortgage process with patience and clarity. Buying a home from out of state can be stressful, but Tim truly held my hand throughout the entire journey and made everything feel manageable.
If you’re looking to purchase a home in Florida and want a mortgage professional who is both skilled and genuinely supportive, I highly recommend working with Tim.