Asset Qualifier Mortgage

No Job? No Problem. Use Your Assets to Qualify.

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.

This loan doesn’t require:

• Employment verification.
• Stated income.
• Debt-to-Income ratio.
• Instead, we use your liquid assets to determine your ability to repay.

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 assets seasoned for 6 months.

Features:

• Max Loan Up to $4 million.
• Minimum Loan $150,000.
• Loan Type: Purchase, Cash-Out, or Rate-Term Refi.
• Occupancy: Primary Residence only.
• Credit Score Minimum 700.
• Max Loan-to-Value 75%.
• We do not require Employment or Income.
• Loan Terms 30-Year Fixed or Interest Only.

Required Assets:

• 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.
• 401k’s.
• Annuities.
• Lump sum retirement distributions.
• Other verifiable liquid funds.
• Gift money.

Conclusion

Reach out today to learn more. Go to getloans.com.