Getting approved for a mortgage usually comes down to one thing: income. Traditional lenders want to see steady pay stubs, W-2s, and tax returns before they’ll give the green light. But what happens if your story doesn’t fit that box? Maybe you’ve retired early, or you run your own business and don’t take home a predictable paycheck.
If that sounds familiar, you’re not alone. And you’re not out of options.
At LendSure Home Loans, we offer Asset Qualifier loans, a program designed for people whose financial strength comes from their assets, not their pay stubs. Instead of saying no because your income doesn’t look “traditional,” we look at the bigger picture: your savings, your investments, and your retirement accounts.
What Are Asset Qualifier Loans?
Put simply, Asset Qualifier loans give you credit for the wealth you already have. Instead of focusing on how much you earn each month, these loans calculate your ability to repay based on what you own.
Here’s how we do it:
- 100% of your cash and cash equivalents count toward qualifying
- 80% of your stocks and bonds count
- 70% of your retirement accounts count
Once your assets are added up, we divide that number by 60 months to determine a qualifying monthly income. That’s important because many lenders divide by 120 months, which cuts the number in half. By using 60, we effectively double the monthly income amount you qualify on.
We’re putting your financial strength to work without requiring you to sell off your investments or provide years of tax returns.
Who Is This Program For?
Asset Qualifier loans are designed for borrowers who may not have a steady paycheck but do have significant assets. Some common examples include:
- Retirees who no longer have W-2 income but have large retirement accounts
- Early retirees who haven’t started taking pensions or distributions yet
- Business owners or entrepreneurs reinvesting their earnings back into the business
- Commission-based professionals whose monthly income can swing up and down
- High-net-worth individuals who would rather keep investments in the market
For these buyers, proving income through traditional means can be frustrating, even when their financial picture is strong. Asset Qualifier loans create a path to financing that recognizes the resources they’ve worked hard to build.
Why LendSure Home Loans Asset Qualifier Loan Program Stands Out
Here’s why borrowers and realtors choose LendSure Home Loans:
- More buying power: By dividing assets over 60 months instead of 120, we double your qualifying monthly income.
- No tax returns required: Assets are all we need.
- Generous loan-to-value ratios: Up to 80% for purchases and 75% for refinances.
- Speed: Pre-qualifications are typically given in as little as 24 hours.
- Flexibility: Eligible for primary residences, second homes, and investment properties.
Our approach is built around one principle: common sense. If your assets show financial stability, we make sure that counts.
A Simple Asset Qualifier Loan Scenario:
Here’s what it looks like in practice:
- $200,000 in cash
- $400,000 in stocks and bonds
- $400,000 in retirement accounts
Using our guidelines, that breaks down to:
- $200,000 (100% of cash)
- $320,000 (80% of stocks and bonds)
- $280,000 (70% of retirement accounts)
That gives you $800,000 in qualifying assets. Divide that by 60 months, and your qualifying monthly income comes out to $13,333. That number is then used to determine how much you can borrow.
It’s straightforward, and it often allows buyers to qualify for a loan amount that wouldn’t be possible under traditional rules.
Why Asset Qualifier Loans Matter Today
The way people earn and manage money has changed. More borrowers are self-employed or working in careers with fluctuating income. At the same time, housing costs keep pushing buyers to explore new ways to qualify.
That shift is why programs like Asset Qualifier loans are gaining traction. Non-QM lending, which includes Asset Qualifier loans, made up about 8% of all mortgage originations in July 2025, a climb from roughly 5% in July 2024.
On a personal level, assets are playing a bigger role in financial stability, too. Nearly 37% of workers dipped into retirement savings early last year through loans or withdrawals. For many households, assets aren’t just “future money” anymore, they’re what keeps major life goals, like homebuying expenses, within reach.
Asset Qualifier loans acknowledge this reality and give borrowers the ability to put their wealth to work without selling investments or reshaping their finances.
The Bottom Line…
Every borrower has a story, and not all of them fit into a traditional lending box. At LendSure Home Loans, our goal is to find the solution that works for you. With our Asset Qualifier loans, you’ll get:
- A common-sense approach to underwriting
- More flexibility than traditional lenders offer
- A faster, easier path to homeownership
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we say ‘yes’ more often to today’s homeowners and investors. Contact us today to learn more about our Asset Qualifier loans.
