Originating Residential and Commercial Loans Since 1998

An asset utilization mortgage loan, also known as an asset depletion mortgage, is a type of mortgage loan that allows applicants to use their assets, such as investments, stocks, retirement accounts, and savings, to qualify for a loan, even if their income may not meet traditional underwriting guidelines. At Pineyro Capital Group Inc NMLS# 420112, we understand that many individuals may have a high net worth but irregular income, and we offer asset utilization mortgage loans as a flexible financing solution to help these individuals secure the home they desire. Our team of Mortgage Loan Originators will work closely with you to assess your assets and structure a mortgage loan that aligns with your financial goals and unique situation. With our expertise and personalized approach, we strive to provide tailored solutions that meet the specific needs of our clients.

At Pineyro Capital Group Inc NMLS# 420112, we understand that not all borrowers have traditional sources of income. If you do not have income from a job, you may still be able to qualify for a mortgage through alternative sources of income such as alimony, investment dividends, rental income, retirement benefits, or savings. Lenders typically look at your overall financial picture, including assets, credit history, and potential for future income. It's essential to work with a Mortgage Loan Originator who can help you navigate the process and explore all available options. Our team at Pineyro Capital Group has the expertise and resources to assist borrowers in unique financial situations and guide them through the mortgage qualification process.

No, at Pineyro Capital Group Inc NMLS# 420112, we understand that each client's financial situation is unique. We offer a variety of mortgage loan options that may not require clients to cash in their assets to get approved. Our experienced Mortgage Loan Originators work closely with clients to identify the best loan program for their specific needs, taking into account their financial goals and assets. Whether it's a conventional loan, FHA loan, VA loan, or another program, we strive to provide tailored solutions without the need for clients to liquidate their assets. Our commitment is to help clients achieve their homeownership dreams while preserving their financial stability.

A variety of assets can be used to help clients get qualified for a mortgage loan with Pineyro Capital Group Inc. NMLS# 420112. This includes but is not limited to savings accounts, checking accounts, retirement accounts, stocks, bonds, mutual funds, real estate, and other valuable properties. These assets can demonstrate the client's financial stability and ability to make mortgage payments, potentially improving their eligibility for a loan. Our team at Pineyro Capital Group Inc. NMLS# 420112 can work with clients to assess their assets and determine the best way to leverage them to achieve their mortgage goals.

At Pineyro Capital Group Inc NMLS# 420112, we understand that not all borrowers have traditional income sources, which is why we offer asset utilization mortgage loans. To qualify for an asset utilization mortgage loan, borrowers must meet certain requirements. Firstly, borrowers must have a high-value asset such as stocks, bonds, or other investments that can be used to support their income. Additionally, borrowers will need to provide documentation of the ownership and value of these assets. It's important to note that the requirements for asset utilization mortgage loans may vary depending on the specific loan program and lender, so we encourage borrowers to reach out to our experienced team for personalized guidance. Our commitment to providing tailored financial solutions means we are dedicated to helping borrowers understand and meet the requirements for asset utilization mortgage loans, ensuring a smooth and transparent lending process.