Qualify for a mortgage using your assets, not your income

If you have significant savings or investment accounts but limited income on paper, an asset qualifier loan could be the key to buying or refinancing a home. These loans are ideal for retirees, high-net-worth individuals, and buyers whose income doesn’t reflect their true financial picture.

We offer asset qualifier loans in Colorado to help clients in Centennial, Denver, Castle Rock, Highlands Ranch, Parker, and throughout the state unlock home financing using liquid assets instead of tax returns.

What is an asset qualifier loan?

An asset qualifier loan (also called an asset depletion or asset utilization loan) is a type of non-QM mortgage that allows you to qualify based on your assets rather than employment income.

Here’s how it works:

  • Your liquid assets (bank, brokerage, or retirement accounts) are divided over a fixed term to determine an equivalent “income stream.”
  • You don’t need to show W-2s, 1099s, or tax returns.
  • You can use personal or joint assets, and in many cases, business funds if structured properly.

Want to learn more? See this overview of asset-based lending from Nerd Wallet

Who is this loan ideal for?

  • Retirees drawing from IRAs, pensions, or brokerage accounts
  • Entrepreneurs with fluctuating or unstructured income
  • High-net-worth individuals with substantial liquid assets
  • Buyers between jobs or newly self-employed
  • Trust or inheritance recipients

These loans are also great for those who want privacy, no need to share full tax returns or income documentation.

Features of asset qualifier loans

  • No income documents required
  • Flexible credit standards
  • Primary, second homes, and investment properties eligible
  • Use assets from retirement, trust, or brokerage accounts
  • Available for purchase, refinance, or cash-out

Each lender has slightly different guidelines, but we’ll help you choose the best fit based on your goals and asset profile.

Do you qualify?

You may be eligible for an asset qualifier loan if:

– You have substantial liquid assets (usually 1.25x to 2x the loan amount)
– You have good credit and a strong overall financial profile
– You prefer not to document income through tax returns or pay stubs
– You’re purchasing or refinancing a 1–4 unit residential property

We’ll help you calculate qualifying assets and structure your loan with clarity and confidence.

If you’re looking for a smarter way to qualify for a mortgage in Colorado, without traditional income, we’re here to help. Call or text us at 303-670-0137, email rbaxter@choicemortgage.com, or request your custom asset-based loan quote.