Your Assets May Help You Qualify for a Mortgage.
Traditional income documents may not tell your full financial story. Eligible savings and investments could provide another path to qualifying.
Explore a mortgage approach that considers the assets you have built—not just your paycheck.
A different way to document your ability to repay.
An assets-as-income program uses eligible financial assets to calculate a monthly qualifying income. You may also hear this called asset utilization, asset depletion, or asset amortization.
The calculation is an underwriting tool. It does not mean your investments actually produce that amount of income each month. The eligible assets, adjustments, and calculation period depend on the selected program.
Retired or transitioning
You may have accumulated savings and investments even though your employment income has changed.
Business owners
Your documented income may fluctuate while your personal financial assets remain substantial.
Assets beyond a paycheck
An asset-based review may help when traditional income alone does not support the mortgage you are considering.
Start with what you own—and what you can access.
- Identify eligible accounts. Review cash, savings, brokerage investments, and eligible retirement accounts.
- Verify ownership and availability. Confirm current balances, account history, access restrictions, and any liens or borrowing against the assets.
- Apply the program’s adjustments. Some assets may count at less than their full value. Funds needed for the transaction and required reserves are treated according to program rules.
- Calculate qualifying income. The adjusted eligible amount is converted into monthly income using the selected program’s calculation period, then considered with your debts and proposed housing payment.
Account balances alone do not determine approval.
Credit history, existing obligations, the property, and your overall ability to repay still matter. We review the full picture before identifying an appropriate option.
Not every account is treated the same.
Cash and savings
Checking, savings, and other eligible cash accounts may be considered when ownership and account history can be verified.
Investment accounts
Eligible stocks, bonds, and other marketable investments may be considered, with adjustments for liquidity and market risk.
Retirement accounts
Eligible retirement assets may be considered depending on your access, vested balance, age, and the program’s requirements.
Business accounts, restricted holdings, real estate equity, and other assets should be discussed individually. Do not assume that every asset on your financial statement can be used.
A clear account history helps tell your story.
The exact document list and required statement period vary. A typical review may include:
- Complete account statements for bank, brokerage, and eligible retirement accounts, including all pages.
- Ownership and balance information showing your name, account identification, holdings, and current values.
- Account history documenting how long the assets have been held and any recent transfers.
- Access and vesting documentation for retirement or restricted accounts, including withdrawal rules when applicable.
- Supporting records for significant deposits or transfers when the source of funds needs clarification.
- Other mortgage documents needed to review your identity, liabilities, property, and transaction.
Start by sending a brief overview through the contact form. I’ll provide a tailored checklist and instructions for uploading financial documents through the secure loan portal.
Understand the approach before choosing a loan.
Do I have to sell my investments?
Some programs allow eligible investments to remain in their accounts. We will confirm whether liquidation, transfers, or other account changes are required for your selected option.
Are my investment accounts pledged as collateral?
Using assets to calculate qualifying income is different from borrowing against or pledging a securities account. We will explain the proposed loan structure and any asset-related requirements before you decide.
Does this mean no income documentation?
Documentation depends on the program and whether other income is being used. We will confirm what is required rather than assume that tax returns, employment records, or other income documents can always be omitted.
Can retirement savings count?
Potentially. Eligibility depends on the account type, your vested ownership, access to the funds, and applicable program rules. Restrictions or early-withdrawal penalties may affect the amount considered.
What does Non-QM mean?
Non-QM means non-qualified mortgage. These programs may use underwriting approaches outside Qualified Mortgage criteria, such as alternative ways to document repayment ability. They still require a documented review and final underwriting approval.
Is this the same as a bank statement loan?
No. A bank statement loan generally uses eligible deposits to evaluate income. Assets-as-income financing uses eligible accumulated assets in a qualifying-income calculation. Read the Bank Statement Loan guide.
How much can I borrow?
That requires an individual review. Eligible assets, the income calculation, existing debts, property details, credit history, and transaction structure all affect the options available.
Let’s look at your full financial picture.
Tell me about your goals and the types of assets you hold. We can discuss whether an assets-as-income approach may fit your situation.