My husband took early retirement a couple years ago but has elected not to start withdrawals from his retirement account. If you have all of your assets in one place, like Merrill Lynch or Fidelity, these companies offer home loans based on assets for their customers. If you have enough assets to qualify, you can borrow up to 100 percent of the home's sales price. It might be worth moving your assets to one of those companies if you like their programs. But be sure to thoroughly check out the company and see if you qualify for their home loan programs before you take the trouble to move assets.
Many local banks portfolio some home loans for their better customers.
Start by talking to your banker about what he or she can do for you. Then, look for large mortgage brokerage firms and companies that do business with individuals who have a high net worth. My husband and I purchased a home a year ago. It was a home we thought we would be in until our small children graduated from high school. However due to personal reason, we are relocating to my husband's home town in New Jersey.