An asset-qualifier loan turns your balance sheet into your income. Instead of pay stubs or tax returns, the lender calculates a qualifying income from your liquid assets — savings, investments, and retirement accounts — using a formula that divides those assets over the loan term. If the assets are there, the income is there.
Good fit if: you’re retired or semi-retired with substantial savings but modest reported income, a high-net-worth buyer between ventures, a recent business seller sitting on proceeds, or anyone whose wealth is real but whose paperwork doesn’t look like a salary. Expect to document several months of asset statements, bring a meaningful down payment, and show reserves remaining after closing.
These are specialty (Non-QM) programs, so rates sit above standard conventional pricing — the honest cost of qualifying on assets instead of wages. Availability and formulas vary sharply by lender: how retirement accounts are discounted, which assets count, and what minimum net worth applies. That variation is precisely where a broker earns his keep. Send me a snapshot of your asset picture and I’ll match it to the lenders whose formulas treat it most favorably.
True Home Lending is operated by Navaneet Dutt, Mortgage Loan Originator, NMLS #2262708, with Loan Factory, NMLS #320841. All loans are subject to credit and property approval. Program availability, rates, terms, and conditions are subject to change without notice and may vary by state, lender, and borrower profile. Not all applicants will qualify. This content is for education only and is not a quote, a loan approval, or a commitment to lend. Equal Housing Opportunity.