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Asset Qualifier Program
Use Trust Assets to Qualify — No Income or Employment Docs Required
​Our Asset Qualifier Loan Program allows borrowers to leverage trust assets to qualify for a mortgage without the need for traditional income or employment documentation. By using verified trust assets as the basis for qualification, this program offers a streamlined and flexible financing solution ideal for borrowers with substantial asset portfolios but unconventional income situations.
FAQs
What is the maximum loan amount?
Up to $4 million.
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Is income verification required?
No. This program does not require income or employment documentation — qualification is based solely on verified trust assets.
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What types of assets qualify?
Assets held in an irrevocable trust that can be verified and sourced.
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What property types are eligible?
Single-family homes, condos, townhomes, and select investment properties.
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Are interest-only options available?
Yes, with 30- or 40-year amortization terms.
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Can this program be used for cash-out refinancing?
Yes — up to 80% LTV for cash-out transactions.
Why This Program Works for Asset-Rich Borrowers
For borrowers with strong trust assets but limited or unconventional income documentation, qualifying for a mortgage can be challenging. This program eliminates that barrier by allowing trust assets to serve as the primary qualification factor. This means you can access competitive mortgage financing without selling investments or altering your financial plan.
A Smarter Way to Keep Your Wealth Working
With generous LTV allowances, flexible term options, and no income verification, you can keep your trust assets intact while securing your next property. Whether it’s a primary home, vacation residence, or investment property, this program offers a streamlined path to financing for high-asset borrowers.