Asset Qualifier Loan


  • No income or employment verification required
  • No debt-to-income requirement
  • 30 Year Fixed Rate
  • Loan amounts up to $3M


  • For primary residence only
  • Buyers must maintain at least $500,000 in assets post-closing
  • Assets must be sourced and seasoned for a minimum of 6 months

What is an asset qualifier loan?

An asset qualifier loan is for borrowers who have significant liquid assets on hand, but may not qualify through traditional mortgage financing methods. This program analyzes buyers’ available liquid assets in relation to the proposed loan amount and other recurring monthly liabilities. Borrowers do not have to worry about submitting any income related documents. This program may be extremely helpful for retirees who may not meet traditional income requirements but can demonstrate substantial liquid assets.

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