No job? No income? No problem. If you have liquid assets — savings, investments, retirement accounts, trust funds — we use those to qualify you. No employment verification. No income documentation. Your wealth is your qualification.
Banks require income to approve a mortgage. But what if your income IS your assets? Retirees living on savings, investors between ventures, trust beneficiaries, lottery winners, inheritance recipients — you have the money, you just don't have a paycheck. We fix that.
$2M in retirement accounts but "no income" on paper. We use 70% of your retirement balance as qualifying income.
Between businesses, between jobs, or simply choosing not to work. Your brokerage account speaks louder than a W-2.
Trust fund holders, inheritance recipients, settlement recipients. Money in the bank, no employer on the application.
Checking, savings, money market, non-retirement brokerage accounts. 80% of the balance counts as qualifying funds.
401(k), IRA, Roth IRA, pension funds. 70% of the balance if you're retirement age.
Not yet 59½? We still count 50% of retirement account balances for qualification.
Traditional debt-to-income ratio doesn't apply. Your ability to repay is demonstrated by your assets, not your paycheck.