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Asset Qualifier Program – Borrow Based on Assets, Not Income
Borrow Based on Assets, Not Income — Unlock Financing Without Traditional Employment
For high-net-worth individuals, retirees, or those with unconventional income streams, securing a mortgage can be challenging when traditional underwriting focuses solely on monthly income. Our Asset Qualifier Program changes the game by letting your liquid assets work for you. Whether you’re looking to purchase, refinance, or leverage your portfolio, this program offers flexibility, competitive terms, and a faster path to approval — all without the need for standard income verification.
FAQs
Q: Do I need a job to qualify?
No. This program is designed for borrowers who may not have traditional employment income but have substantial liquid assets.
Q: What types of assets qualify?
Eligible assets can include cash, stocks, bonds, retirement accounts, and other verifiable liquid holdings.
Q: How are assets calculated into income?
We calculate your qualifying income by amortizing your assets over 60 months for asset-only loans or 120 months for blended scenarios.
Q: Can I combine assets with other income?
Yes. This flexibility can help improve qualification and loan terms.
Q: Are there occupancy restrictions?
No. This program is available for primary residences, second homes, and investment properties.
Q: What’s the minimum asset coverage requirement?
You must have assets covering at least 110% of the loan amount, plus reserves.
Why This Program Works
Many borrowers have the financial strength but face hurdles with standard underwriting that demands predictable monthly income. This program uses the bigger picture — your asset portfolio — to determine your ability to repay. By focusing on liquidity, it allows flexibility and removes barriers for those who have already built substantial wealth but want to keep their income strategy flexible or private.
A Smarter Way to Borrow
With the Asset Qualifier Program, you’re in control. Instead of forcing you into rigid income categories, this program works around your financial reality. It’s perfect for borrowers with significant investments, retirement accounts, or other liquid assets, offering the freedom to qualify without sacrificing privacy or changing your lifestyle to fit conventional lending boxes.