Borrower situations

Asset-based qualifying

Qualifying from liquid assets (asset depletion or asset utilization) rather than employment income.

Why it is hard

Which accounts count, at what percentage, and over what term differs across lenders and programs.

What to ask a loan officer

Which accounts count toward asset qualifying, and at what percentage?
How do you calculate monthly income from my assets?
Is this an agency or a non-QM program?

Also called

asset based, asset-based, asset depletion, asset utilization, retired with assets, qualify with assets, no income

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=asset-based&state=FL or this specialty as JSON.