Purchase loans
Asset Qualifier
Qualification driven by eligible assets — assets may be converted into a calculated monthly income stream or carry qualification directly, without a traditional debt-to-income calculation.
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Asset Qualifier at a glance
No DTI calculation
A traditional debt-to-income ratio isn’t calculated.
Asset-based income
Eligible assets may be converted into qualifying income.
Retiree friendly
A strong fit for retirement scenarios.
Entity vesting
May be available where permitted.
What is the Asset Qualifier?
The Asset Qualifier takes a different approach to qualification: instead of calculating a debt-to-income ratio from employment income, it looks at whether a borrower’s eligible assets are sufficient for the loan.
Under a 60-month asset utilization period, eligible liquid assets may be converted into a calculated monthly income stream — used on its own or to supplement other income. For high-net-worth borrowers and retirees with substantial assets, that can open doors traditional underwriting keeps closed.
01
Eligible assets
02
Utilization calculation
03
Asset sufficiency review
04
Financing qualification
When the Asset Qualifier may make sense
For borrowers whose balance sheet matters more than their paycheck.
01High-net-worth borrowers
Substantial assets with limited qualifying income.
02Retirees
Borrowers living on assets rather than a salary.
03Near-retirement
Borrowers winding down employment income.
04Entity vesting
Borrowers who may want to vest in an entity where permitted.
Example scenario
See how it could work
The borrower
A retiree with significant liquid assets.
The calculation
Eligible assets converted into a monthly income stream.
The structure
Traditional DTI is not calculated.
The result
Qualification based on assets.
Illustrative example only. Actual financing structure, terms, eligibility, and availability vary.
Frequently asked questions
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Build your scenario and see whether Asset Qualifier or another mortgage solution may be worth exploring.
Program recommendations are informational until reviewed by an appropriately licensed mortgage professional. All loans are subject to credit and property approval; terms, eligibility, and availability vary.