Asset-Based Mortgage Loans
in Virginia, Maryland & Washington DC
⭐ 5-Star Client Reviews ✔ Licensed Mortgage Professionals ⚡ Fast Closings
Qualify using bank accounts, investment portfolios, or retirement assets — no traditional income documentation required.
No tax returns required
No W-2 income needed
Secure & confidential consultation
Asset-based mortgage loans in Virginia, Maryland, and Washington DC allow borrowers to qualify using bank accounts, investment portfolios, or retirement funds instead of traditional income documentation like tax returns or W-2s.
These programs are part of Non-QM lending solutions designed for borrowers whose financial strength is reflected in their assets rather than traditional income sources.
Instead of analyzing pay stubs or tax returns, lenders calculate qualifying income based on a borrower’s liquid assets.
This program is ideal for:
• Retirees
• High-net-worth individuals
• Self-employed borrowers
• Real estate investors
• Borrowers living off investments
• Individuals with significant savings
If you are exploring alternative qualification options, you may also want to review our DSCR Loan Program.
What Is an Asset-Based Mortgage Loan?
An Asset-Based Mortgage Loan allows you to qualify using:
- Checking & savings accounts
- Brokerage accounts
- Stocks & bonds
- Retirement funds (401k, IRA)
- Trust accounts
- Cash-value life insurance
Lenders convert your assets into a calculated monthly income equivalent, allowing you to qualify without traditional employment documentation.
Benefits of Asset-Based Mortgage Loans
- No tax returns required
- No W-2s or pay stubs needed
- Qualify using assets instead of tax returns or W-2 income
- Flexible credit guidelines
- Ideal for retirees and investors
- Available for primary homes, second homes, and investment properties
- Loan amounts up to jumbo limits
- Streamlined approval process
Asset-based mortgage loans are designed for borrowers with significant savings, investments, or retirement funds who may not show traditional employment income.
Want to see if your assets qualify you for a mortgage? Speak with a loan specialist or request your asset-based loan quote today.
Use this form to see if your assets qualify for an asset-based mortgage loan in Virginia, Maryland, or Washington DC.
Check If You Qualify for an Asset-Based Mortgage
Secure form. No tax returns required. A loan specialist will review your assets and contact you shortly.
Asset-Based Loan Requirements
Eligible Assets
Asset-based mortgage loans allow borrowers to qualify using liquid financial assets instead of tax returns or traditional employment income.
- Bank accounts
- Money market accounts
- Investment portfolios
- Retirement accounts
- Trust funds
- Cash-value insurance
Credit Score
- Typically 670–700+ depending on program
- Higher credit scores may qualify for better pricing
Down Payment
- 20% minimum down payment
- Higher down payments may be required for investment properties
Asset Seasoning
- 60 days minimum
- Gift funds allowed in some cases
How Income Is Calculated
Asset Depletion Method
Eligible assets are divided by 60 to 120 months to calculate a qualifying monthly income.
Asset Utilization Method
70–100% of assets used for qualification.
Retirement Asset Method
Higher percentages may apply if over age 59½.
This allows borrowers with significant wealth to qualify even with little or no employment income.
Our team will review your assets and determine which calculation method helps you qualify for the highest possible loan amount.
Who Should Consider an Asset-Based Mortgage?
This program is ideal if you:
- Have strong assets but low taxable income
- Are retired
- Prefer not to rely on tax returns for qualification
- Have irregular income
- Want simplified documentation
- Are purchasing a second home or investment property
If you fit one of these profiles, an asset-based mortgage may allow you to qualify without traditional income documentation.
Asset-Based Loan vs Conventional Loan
| Feature | Asset-Based Loan | Conventional Loan |
|---|---|---|
| Income Documentation | Assets and investment accounts | W-2s, tax returns |
| Flexibility | High | Strict |
| Best For | Retirees, investors | Salaried borrowers |
| Down Payment | 20%+ | 3–20% |
| Property Types | Primary, 2nd, Investment | Primary, 2nd, Investment |
Asset-Based Mortgage Loans in Virginia, Maryland & Washington DC
ABC United Finance Corp proudly serves borrowers across:
- Northern Virginia
- Maryland
- Washington DC
Whether you are a retiree in McLean, an investor in Bethesda, or purchasing a luxury property in DC, we provide tailored asset-based mortgage solutions.
Speak with a loan specialist today to see if your assets qualify for an asset-based mortgage loan.
Why Choose ABC United Finance Corp?
- Local expertise in VA, MD & DC
- Experience with high-asset borrowers
- Fast underwriting
- Personalized solutions
- Transparent communication
- Competitive pricing
Our team specializes in helping financially strong clients qualify with confidence
What Borrowers Say
⭐⭐⭐⭐⭐ ““As a retiree with significant assets but limited monthly income, I struggled to qualify with traditional lenders. ABC United Finance understood my situation immediately and guided me through their asset-based mortgage program. The process was smooth and transparent. I purchased my new home without showing tax returns.” — Linda S., Reston, VA
Call 703-932-3905 to speak with a loan specialist about qualifying for an asset-based mortgage.
Asset-Based Mortgage Loan FAQs
Can I qualify without income?
Yes. Asset-based mortgage loans allow borrowers to qualify using assets instead of traditional employment income.
Do I need tax returns?
No tax returns required for asset-based qualification.
What assets can I use?
Bank accounts, investment accounts, retirement funds, trust accounts, and more.
Are interest rates higher?
Interest rates may be slightly higher due to flexible underwriting guidelines.
Can I purchase an investment property?
Yes. Asset-based loans are available for primary, second homes, and investment properties.
Get Pre-Approved for an Asset-Based Mortgage
If you have strong assets and want a flexible path to homeownership, an asset-based mortgage may be ideal.
No obligation. No tax returns required. Fast review.