Asset-Based Mortgages

Underwriting focuses on where the money came from, how long it has sat in your account, and how much of it is actually liquid and yours.

A bank statement mortgage looks at your actual deposits over the last 12 to 24 months, which means a slow year shows up directly in the math.

A platform seller with strong reserves but thin recent revenue usually fits asset depletion better.

An asset qualifier — often built as an assets-only path — skips debt-to-income entirely and checks that enough liquidity remains after closing.

A retiree buying a pure rental usually qualifies as an investment property, financed on the rent the property collects.

Retirees living off investments run into the same wall over and over: the tax return says almost nothing, but the brokerage statement says everything.

Asset depletion instead treats your vested, seasoned equity as a lump-sum balance sheet and converts it into a monthly qualifying figure.

Asset qualifier skips the income conversion and instead checks whether you hold enough verified, liquid assets — after closing — to support the loan.

Business assets, gift funds, crypto, unvested stock, and most trusts generally don’t count.

A lender converts eligible savings, brokerage, and retirement balances into a monthly income figure by dividing them across a set number of months.