Asset Qualifier Loans — Qualify Using Your Assets, Not Your Income

Your wealth can qualify you — even without a paycheck. An asset qualifier loan turns liquid assets into qualifying income, so retirement or a career transition doesn't block your mortgage.

What Is an Asset Qualifier Loan?

An asset qualifier loan is a non-QM mortgage that uses your liquid assets — rather than employment income — to qualify. The lender converts your assets into an income-equivalent figure, proving you have the means to repay without a traditional job or tax-return income.

Who It's For

Requirements at a Glance

• Documented liquid assets (bank, brokerage, CDs, money market)
• Assets converted to an income-equivalent for qualification
• No employment, tax returns, or W-2s required
• Retirement accounts often count at a discounted rate
• Credit scores from ~620