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Mortgage Options Based on Your Assets

Qualify using eligible assets instead of relying primarily on traditional employment income. A flexible mortgage option for borrowers with substantial savings, investments, or retirement assets.

Put Your Assets to Work

If you have significant assets but limited or nontraditional income, an Asset Qualifier Loan may provide another way to qualify for a mortgage.
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Designed for Asset-Rich Borrowers

Asset Qualifier Loans use eligible financial assets to help determine your ability to repay, making them a strong option for borrowers who may not fit traditional income requirements.

  • Qualify based primarily on eligible assets
  • Reduced reliance on traditional employment income
  • Ideal for retirees and high-net-worth borrowers
  • Can work well for borrowers with substantial savings or investments
  • Available for purchase and refinance
  • Offers an alternative to traditional income documentation
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What You’ll Need to Qualify

Qualification is based on your overall financial profile and the eligible assets available to support the loan.

  • Sufficient eligible assets
  • Bank, investment, or retirement account documentation
  • Credit requirements apply
  • Down payment or sufficient equity required
  • Property and loan-to-value requirements apply
  • Reserve requirements may apply
  • Eligible assets and calculation methods vary by program
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When an Asset Qualifier Loan Can Make Sense

This type of financing can be useful when your financial strength is reflected more in your assets than in traditional monthly income.

  • You’re retired or approaching retirement
  • You have substantial savings or investment assets
  • Your income is irregular or difficult to document traditionally
  • You have significant assets but limited employment income
  • You want to purchase a home without relying primarily on W-2 or self-employment income
  • You want to refinance using your assets to help qualify
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See If Your Assets Can Help You Qualify

Tell us about your assets, mortgage goals, and the property, and we’ll help you review available options.

  • Choose purchase or refinance
  • Provide basic borrower and property information
  • Share documentation for eligible assets
  • Review available loan options
  • Complete your application
  • Submit any additional requested documentation
  • Move toward approval and closing

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LoanFlight Lending, LLC.

NMLS #1522344 

4343 Anchor Plaza Pkwy
Suite 210
Tampa, FL 33634

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