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Qualify Your Borrower Using Financial Assets Only
Leverage assets to secure approval — no income or employment info required
This program is perfect for clients with strong liquid assets but without traditional income documentation. By qualifying solely on eligible financial assets, borrowers can access high LTVs and substantial loan amounts without the need for employment verification or DTI calculations.
FAQs
Q: Who is this program best suited for?
A: High-net-worth borrowers who have significant liquid assets but lack conventional income proof.
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Q: What’s the maximum LTV?
A: Up to 90% LTV.
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Q: How much can I borrow?
A: Loan amounts up to $3MM (higher with compensating factors).
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Q: Are all property types eligible?
A: Yes, all occupancy types and property types are eligible.
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Q: Do I need to liquidate my assets?
A: No asset liquidation is required unless needed for closing costs.
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Q: What assets qualify?
A: Checking, savings, securities, retirement accounts, and crypto.
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Q: Are there specific loan terms available?
A: FRM, ARM, and Interest-Only options are available.
Why This Program Works
This program removes the barriers of traditional income verification, allowing borrowers to use verified liquid assets for qualification. It caters to clients whose wealth is held in diverse accounts and investments, giving them the freedom to leverage those holdings without disrupting their portfolios. By eliminating DTI requirements and accepting a wide range of asset types, it offers both flexibility and accessibility.
A Smarter Way to Qualify
Whether your borrower is retired, self-employed, or simply chooses not to liquidate investments, this program offers a direct path to approval. It’s designed for speed, security, and minimal paperwork, empowering clients to put their assets to work. This is the ideal choice for those who value privacy, speed, and the ability to qualify without conventional income.