Asset‑Based Mortgage Loans are designed for borrowers who have strong assets but may not show enough traditional income on paper. Instead of relying on tax returns, W‑2s, or pay stubs, lenders use your liquid assets to determine your ability to repay the loan.
This program is ideal for retirees, high‑net‑worth individuals, self‑employed borrowers, investors, and anyone whose income is difficult to document.
Ready to Qualify Using Your Assets? Get My Asset‑Based Loan Quote
An Asset‑Based Mortgage Loan (also called an Asset Depletion Loan or Asset Utilization Loan) allows you to qualify for a mortgage using your bank accounts, investment accounts, or retirement funds as the primary basis for approval.
Instead of analyzing income, lenders calculate a monthly “income equivalent” based on your assets. This gives borrowers with significant savings or investments a flexible path to homeownership.
This program is commonly used by:
This program gives financially strong borrowers a simple, flexible way to qualify.
Guidelines vary by lender, but most programs require:
Eligible Assets
Credit Requirements
Down Payment
Asset Seasoning
Lenders use one of several methods to convert your assets into qualifying income:
Asset Depletion Method Total eligible assets are divided by a set number of months (typically 60–120) to determine monthly qualifying income.
Asset Utilization Method A percentage of your assets (often 70–100%) is used to calculate income.
Retirement Asset Method For borrowers over 59½, retirement assets may be used at a higher percentage.
This allows borrowers with strong assets to qualify even with little or no traditional income.
This program is ideal for borrowers who:
| Feature | Asset‑Based Loan | Conventional Loan |
|---|---|---|
| Income Documentation | Assets only | Tax returns, W‑2s, pay stubs |
| Flexibility | High | Strict |
| Best For | Retirees, investors, high‑asset borrowers | W‑2 employees |
| Down Payment | 20%+ | 3–20% |
| Loan Types | Primary, second home, investment | Primary, second home, investment |
As a local lender serving Virginia, Maryland & Washington DC, we understand the unique needs of borrowers in our region. Whether you're a retiree in Northern Virginia, an investor in Maryland, or a high‑net‑worth borrower in DC, we offer tailored solutions to help you qualify with confidence.
Our team specializes in helping borrowers qualify using their assets.
Can I qualify without income? Yes — this program is designed for borrowers who prefer to qualify using assets instead of income.
Do I need tax returns? No tax returns are required for asset‑based qualification.
What types of assets can I use? Bank accounts, investment accounts, retirement funds, and more.
Are interest rates higher? Rates may be slightly higher than conventional loans due to flexible guidelines.
Can I buy an investment property? Yes — asset‑based loans are available for primary, second homes, and investment properties.
Start your application today and discover how easy qualifying can be.
“As a retiree with significant assets but limited monthly income, I struggled to qualify with traditional lenders. ABC United Finance Corp understood my situation immediately and guided me through their asset‑based mortgage program. The process was smooth, transparent, and far easier than I expected. Thanks to their expertise, I purchased my new home without needing to show tax returns or employment income.” — Linda S., Reston, VA
