Asset Qualifier Program

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Asset Qualifier Program

Asset Qualifier Program

Perfect for borrowers with high net worth and significant assets.

Who Qualifies?

  • No employment, no income, no DTI
  • Primary residence
  • Credit score 700 or higher
  • Loans up to $3 million
  • Maximum 75% LTV
  • 5 years seasoning for foreclosure, short sale, or bankruptcy

Required Assets*

  • Loan amount
  • Recurring monthly debt multiplied by 60 months
  • Funds to close and 6 months reserves
*Borrowers must have at least $500,000 in post-closing assets. See program guidelines for complete details.

Our Asset Qualifier loan product is for borrowers to qualify using their liquid assets. We do not require employment, income or DTI to justify ability-to-repay. We qualify based on required assets that meet seasoning requirements. We have helped retirees, underserved self-employed, divorced with no income, and other borrowers with required seasoned assets to purchase or refinance. This easy to close loan is another solution helping borrowers with their home loan needs who could not under Agency guidelines.

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