Loan program · Specialty
No DTI and Asset Acquisition Mortgage
Asset based qualification uses your verified liquid assets to establish qualifying ability instead of monthly employment income. Programs vary: some convert assets into a calculated income stream, others qualify on asset balance and reserves without a traditional debt to income calculation.
Who it is designed for
- Retirees with substantial assets and modest reported income
- Borrowers between ventures with large liquid balances
- Borrowers whose income is irregular but whose net worth is strong
Eligible occupancy types
- Primary residence
- Second home
- Investment property depending on the program
Down payment or equity
Down payment and post closing asset requirements are set by the investor and are typically higher than agency financing.
Major benefits
- No traditional employment income calculation on qualifying programs
- Retirement and investment accounts may be counted, often with a discount factor
- Useful when tax returns do not reflect financial strength
Important considerations
- Assets must be seasoned, verified and generally liquid
- Retirement accounts are usually discounted, and access age can matter
- Pricing is higher than agency financing
How qualification generally works
- Two or more months of statements on qualifying accounts
- Verification that funds are liquid and unencumbered
- Credit review under the investor's tiers
Documents commonly requested
- Two or more months of complete asset statements for each qualifying account
- Documentation of any large transfers between accounts
- Photo ID and Social Security number
Frequently Asked Questions
Related programs and next steps
Bank Statement Mortgages
Qualify with business or personal deposits instead of tax return net income.
Learn more CoreJumbo Loans
Financing above conforming loan limits for higher priced homes.
Learn more InvestmentDSCR Loans
Investment property financing qualified on rent, not personal income.
Learn moreConsidering no dti and asset acquisition mortgage?
We will review your documents, compare the realistic options, and give you a written preapproval you can use with confidence. Nothing on this page is a commitment to lend.