Qualify for a Mortgage Using Your Assets Instead of Income
John Thomas
November 16, 2025
Watch the Video: Asset Qualifier Loan Program Explained
Play
The Asset Qualifier Loan Program allows borrowers to qualify for a mortgage using verified assets instead of income documents.
Lenders convert your liquid assets into an income-equivalent figure, requiring no job, no tax returns, and no W-2s. This program is designed
for retirees, self-employed borrowers, investors, and anyone with strong assets but limited reportable income.
Asset Qualifier Loan Program – Qualify Using Your Assets, Not Your Income
By Loan Officer John Thomas, Primary Residential Mortgage, Inc.
In the video above, I explain one of the most flexible non-QM mortgage programs available today — the
Asset Qualifier Loan Program. If you have strong savings, retirement funds, or investments but very little
traditional income, this program may allow you to purchase or refinance a home without using W-2s, tax returns, or pay stubs.
