Loan Program
Asset Qualifier
Let Your Assets Do the Work
For borrowers with substantial liquid assets, income verification is irrelevant. This program converts your net worth into qualifying income — no employment history required.
Who It's For
Is this the right program for you?
- i.Retirees living off savings, investments, or trust distributions
- ii.High net worth individuals who prefer to qualify on assets rather than income
- iii.Borrowers with significant accounts but unconventional or no employment history
- iv.Investors who have sold a business or property and hold substantial liquid reserves
- v.Borrowers who cannot document traditional income but hold qualifying assets
Requirements
| Credit Score | 620 minimum |
| Max LTV | Up to 80% |
| Down Payment | 20% minimum |
| Documentation | Asset statements (checking, savings, brokerage, retirement, trust) |
| Property Types | Primary residence, second home, investment property |
The Process
01
Application
Submit your basic information and program interest. No credit pull at this stage.
02
Review
Nick reviews your scenario and reaches out within one business day to discuss your path forward.
03
Close
Most non-QM loans close in 20–30 days. We coordinate with title, appraisal, and underwriting on your behalf.
Find out if you qualify
Take the 2-minute quiz or apply directly.