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Qualify Your Borrower Using Assets Only – No Income or Job Info Required
For high-net-worth clients with strong financial assets and no traditional income proof
This program is designed for borrowers who have significant verifiable assets but do not meet traditional income documentation requirements. It’s ideal for clients whose wealth is tied up in savings, investments, or other liquid accounts rather than regular employment income.
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FAQs
Q: What’s the maximum LTV allowed?
A: Up to 90% LTV.
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Q: What are the loan amount limits?
A: Loan amounts up to $3MM (more with compensating factors).
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Q: Is there a minimum credit score?
A: Yes — Minimum FICO 620.
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Q: Are debt-to-income (DTI) calculations required?
A: No DTI is calculated.
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Q: What documentation is required?
A: No income or employment verification is required.
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Q: Are all property types eligible?
A: Yes — owner-occupied, second homes, and investment properties.
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Q: What assets can be used to qualify?
A: Checking, savings, stocks, retirement accounts, and liquidated crypto.
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Q: Can recent business or real estate sale proceeds be used?
A: Yes, these proceeds are eligible.
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Q: Are there multiple loan term options?
A: FRM, ARM, and interest-only options are available.
Why This Program Works
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Eliminates the need for traditional income verification, opening doors for wealthy clients with non-traditional income sources.
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Allows for high leverage (up to 90% LTV) without restrictive DTI requirements.
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Accepts a broad range of asset types, offering maximum flexibility in qualification.
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Supports a wide variety of property uses, from primary residences to investments.
A Smarter Way to Finance
This program empowers your high-net-worth clients to leverage their assets for property financing without the barriers of conventional income checks. By valuing liquid resources over monthly pay stubs, it provides a streamlined approval process and the flexibility needed for today’s complex financial profiles.