In the market for real estate but unwilling to dip into your hard-earned investments? If your income is not large enough to qualify for a mortgage, asset-based financing might be the answer.

In short, asset-based financing is a loan or line of credit backed by eligible retirement accounts. This eliminates the need to cash-out your investments, resulting in a savings in capital gains and other potential savings.

Contact your local lender or financial advisor for more information. Locally, contact Bill Carey, mortgage officer at Santander, by email or via the Santander website.