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No Income? Use Assets to Qualify for a Mortgage

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Asset Depletion / Asset Qualifier Program

Borrowers with great credit, but no steady monthly income, may be able to use their assets to qualify for a mortgage. Compared to asset depletion, LendSure’s Asset Qualifier program essentially doubles the qualifying monthly income, since the draw period is only 5 years (qualifying assets / 60 months).

  • Asset Qualifier – Qualifying Income = Qualified Assets divided by 60
    Asset Depletion – Qualifying Income = Qualified Assets divided by 120
  • No minimum age requirement
  • Primary Residence and Second Home:
    – Up to 80% LTV for Primary Purchase and R/T Refinances
    – Up to 80% LTV for Second Home Purchase & 75% for R/T Refi
    – Up to 70% LTV for Cash-Out Refinances
  • Investment Properties:
    – Up to 80% LTV for Purchase
    – Up to 75% LTV for R/T Refinances
    – Up to 70% LTV for Cash-Out Refinances
  • DTI as high as 50%

Our knowledgeable Account Executives are experts in Non-QM loans and will help you find solutions for your borrowers so you can close more deals each month. Contact your LendSure Account Executive to talk through your borrower’s loan scenario.

Submit Your Loan Scenario

Contact Us: (888) 707-7811