Make DC area homeownership easy with our Asset Qualifier Loan
No Job? No Problem. Use Your Assets to Qualify.
Not every borrower fits the traditional mold. Maybe you’re retired, self-employed with no documented income, recently divorced, or living off savings. If you have assets—but no income—you might think homeownership is out of reach.
It’s not. Our Asset Qualifier Loan is designed exactly for people like you.
What Makes This Loan Unique?
This loan doesn’t require:
- ❌ Employment verification
- ❌ Stated income
- ❌ Debt-to-Income ratio (DTI)
Instead, we use your liquid assets to determine your ability to repay. It’s a streamlined path to a mortgage—especially helpful for retirees, entrepreneurs, or those living off investments.
Who Can Benefit?
- Retirees with significant savings
- Self-employed individuals with fluctuating or hard-to-document income
- Recently divorced borrowers without current income
- High net-worth individuals with seasoned assets
Key Loan Features
| Criteria | Details |
| Max Loan Amount | Up to $4 million |
| Minimum Loan Amount | $150,000 |
| Loan Type | Purchase, Cash-Out, or Rate-Term Refi |
| Occupancy | Primary Residence only |
| Credit Score | Minimum 700 FICO |
| Max Loan-to-Value (LTV) | 75% |
| Employment/Income/DTI | Not Required |
| Seasoning for Major Credit Events | 5 years (BK, foreclosure, short sale) |
| Asset Seasoning Requirement | 6 months |
| Interest Only Option | ✅ Available |
| Loan Terms | 30-Year Fixed or Interest Only |
Required Assets
To qualify, borrowers must show enough assets to cover:
- ✔️ Loan amount
- ✔️ 60 months of monthly debt obligations
- ✔️ Funds to close
- ✔️ Three months of reserves
- ✔️ Post-closing assets of at least $500,000
Accepted assets include:
- IRAs
- 401(k)s
- Annuities
- Lump sum retirement distributions
- Other verifiable liquid funds
Action Steps
📌 Inventory Your Assets – Check balances on retirement and investment accounts
📌 Confirm 6-Month Seasoning – Ensure your assets have been held at least six months
📌 Check Your Credit Score – Minimum score of 700 is required
📌 Consult With a Loan Specialist – We’ll walk you through what qualifies
Ready to Put Your Assets to Work?
Don’t let outdated loan guidelines hold you back. If you’ve built financial stability through your savings or investments, the Asset Qualifier Loan could be your path to a new home—without the need for income documentation.
Reach out today to learn more or begin your application.
Brian Martucci is a loan officer for Capital Bank Home Loans, a division of Capital Bank, N.A. He has been in the mortgage industry since 1986 and has served in a number of roles, including loan processor, loan officer, mortgage broker, branch manager, and vice president. Brian Martucci – NMLS# 185421. His opinions do not necessarily reflect the opinions and beliefs of Capital Bank Home Loans or Capital Bank. Capital Bank, N.A.- NMLS# 401599. Click here for the Capital Bank, N.A. “Privacy Policy”.
