Asset Qualifier Mortgage: Buy or Refinance Using Your Assets Only

The Asset Qualifier loan program is a groundbreaking solution for borrowers who don’t meet traditional lending guidelines but have substantial liquid assets. Whether you’re a retiree, self-employed, recently divorced, or simply have no verifiable income, this program helps you qualify for a mortgage without needing a job, income documents, or DTI calculations.

Unlike conventional or FHA loans, the Asset Qualifier program does not require employment verification or income documentation. Instead, qualification is based entirely on the borrower’s liquid assets, which must meet specific seasoning requirements.

Borrowers can use funds from checking, savings, investment, or retirement accounts to demonstrate the ability to repay. This makes the loan ideal for individuals with wealth but limited cash flow. Our streamlined process ensures an easy closing, whether you’re purchasing a new home or refinancing an existing one.

Who Benefits from This Loan:

• Retirees living off investments

• High-net-worth individuals

• Recently divorced with no active employment

• Self-employed borrowers with inconsistent income

• Anyone who cannot qualify under Agency rules but has the assets to back their loan

If you’ve been turned away by traditional lenders due to lack of income documentation, our Asset Qualifier loan may be the solution you’ve been searching for.

Contact us today to see if you qualify for this powerful second mortgage option. Our team can guide you through every step—from pre-qualification to funding—making it easy to put your home equity to work.