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.
Employment verification
Income documentation (e.g., paystubs, tax returns, W-2s)
Debt-to-income ratio calculation
Traditional ability-to-repay analysis
Sufficient Liquid Assets
Assets must cover the loan amount, taxes, insurance, and other housing expenses for a set period (typically 60 months or more, depending on guidelines).
Acceptable sources:
Checking/Savings accounts
Stocks, Bonds, Mutual Funds
Retirement accounts (subject to age and withdrawal rules)
Asset Seasoning
Most programs require assets to be seasoned for at least 60 days, some require 12 months
Proof of ownership and account statements showing consistent asset levels
Asset Verification Documents
Most recent 2–3 months of account statements
Statements must show asset value and account holder name
If retirement assets are used, proof of access or distribution terms
Credit Score
Typically 620+, though some lenders may require 660+
Better credit may allow for more flexible terms or lower down payment
Minimum Loan Amount
Often $100,000 or higher (varies by lender)
Property Appraisal
Standard full interior appraisal required
Loan-to-value (LTV) limits apply (usually up to 75%-80%)
Purpose of Loan
Purchase, Rate/Term Refinance, or Cash-Out Refinance
Property must be residential (Primary, Second Home, or Investment)
Loan Application & Disclosures
Signed 1003 application
Standard mortgage disclosures and identification
Program Name: Asset Qualifier Loan
Ideal For: Retirees, high-net-worth individuals, divorced individuals without income, and self-employed borrowers with sufficient liquid assets
Income Documentation: Not required
Employment Verification: Not required
Debt-to-Income (DTI): Not required
Qualification Basis: Liquid assets that meet required seasoning guidelines
Usage: Purchase or refinance
Closing: Simple and streamlined process
Agency Alternative: Designed for borrowers who don’t meet traditional guidelines
Underwriting: Based on assets only — no tax returns, W-2s, or paystubs needed
Eligible Property Types: Typically includes primary, second homes, and investment properties