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Qualify with Assets Only – No Income or Employment Required
Use eligible assets to qualify your borrower — DTI is not calculated
Flexible asset-based qualification with no income or job verification required, making it ideal for high-net-worth borrowers who prefer to use their financial strength instead of traditional income documentation.
FAQs
Q: What is the minimum credit score required?
A: 620 FICO.
Q: How much can a borrower qualify for?
A: Loan amounts up to $3MM, with higher amounts possible if compensating factors are present.
Q: What assets are eligible for qualification?
A: Checking, savings, securities, retirement accounts, and cryptocurrency are accepted.
Q: Is debt-to-income (DTI) calculated?
A: No, DTI is not calculated for this program.
Q: Is asset liquidation required?
A: No liquidation required beyond covering closing costs.
Q: What property types are eligible?
A: All property types and occupancy types are permitted.
Q: What loan terms are available?
A: FRM, ARM, and Interest-Only options are available.
Q: Can proceeds from asset sales be used?
A: Yes, recent real estate or business sale proceeds are eligible.
Why This Program Works
This program offers a streamlined path to financing for clients with strong asset portfolios but limited or unconventional income streams. By removing income and employment documentation requirements, it allows borrowers to leverage their liquid and investment assets to secure financing quickly. The flexibility on asset types, high LTV allowances, and availability across multiple property and occupancy categories make it a highly adaptable solution. Additionally, the absence of DTI calculation means more clients can qualify with ease, especially those in non-traditional income situations.
A Smarter Way to Fund Your Business or Home Purchase
Asset-based lending opens doors for high-net-worth individuals who don’t fit traditional underwriting molds. Whether the borrower holds funds in securities, retirement accounts, or even crypto, this program recognizes those resources as the foundation for qualification. It’s an intelligent choice for clients who prioritize privacy, speed, and flexibility — without having to restructure their income or liquidate valuable holdings.