Qualify for a home loan using your liquid assets — no W-2s, no pay stubs, no tax returns required. Your portfolio stays invested. Your wealth does the talking.
An Asset Utilization Loan is a mortgage that lets your wealth do the talking. Instead of relying only on employment documents, eligible liquid assets — savings, investments, and retirement accounts — may be used to support qualification.
Depending on the program, eligible assets may be evaluated as a multiple of the requested loan amount or converted into qualifying monthly income. Your money can remain invested and working for you; it is verified to help demonstrate your ability to repay.
This is a Non-QM (Non-Qualified Mortgage) loan — built for borrowers who are financially strong but don't fit the traditional income documentation mold.
Illustration only. Asset calculations, eligibility discounts, reserve requirements, and maximum loan amounts vary by lender and borrower profile.
Three steps. No tax returns. Your portfolio stays untouched.
We total your eligible liquid assets — checking, savings, money market, stocks, mutual funds, ETFs, and vested retirement accounts.
Depending on the program, assets may support the requested loan amount through an asset-coverage test or be converted into qualifying income. No liquidation may be needed.
Your assets stay invested and working for you — they're simply used as proof of your ability to repay. Fast, straightforward, and built around your financial picture.
Most mortgage products were designed for salaried employees with predictable W-2 income. But not everyone's wealth looks like that — and that doesn't make them less creditworthy.
Living off your portfolio or retirement savings? Your accumulated wealth is your income — we'll treat it that way.
Tax returns underreport your real financial strength. Let your assets tell the full story instead of two years of write-offs.
Capital gains, dividends, and distributions don't show up as W-2 income — but they reflect real, durable wealth.
Significant assets but no traditional "job"? This loan was built for your financial profile, not against it.
A gap in employment documentation doesn't mean a gap in financial strength. We focus on what you have, not what you're between.
U.S.-based assets can qualify you for a U.S. mortgage — even without U.S. income or credit history.
Asset Utilization Loans are built for financially sophisticated borrowers whose wealth doesn't fit on a W-2.
With substantial savings or investment portfolios who no longer draw a traditional salary.
Strong balance sheets but variable or minimized taxable income on paper.
Living off rental income, asset sales, or equity — not a W-2 paycheck.
Significant stock portfolios, vested equity, or deferred compensation packages.
High-net-worth individuals with inherited or trust-held wealth that doesn't show up as earned income.
U.S.-based assets qualify you even without U.S.-based income or credit history.
The following asset types may be used to calculate your qualifying income.
| Minimum credit score | 680+ (720+ preferred) |
|---|---|
| Minimum eligible assets | $250,000+ in qualifying liquid assets |
| Asset coverage example | Some programs may permit eligible assets equal to 125% of the requested loan amount |
| Down payment | 15%–30% depending on loan amount and property type |
| Debt-to-income (DTI) | Up to 50% |
| Asset seasoning | 60–90 days in qualifying accounts |
| Income documentation | Not required — assets verified instead |
| Property types | Primary residence, second home, or investment property |
Guidelines vary based on loan amount, property type, and overall borrower profile. Contact a LUMI Funding loan officer for your personalized scenario.
We specialize in finding the right loan for every borrower — not just the easy ones. Our team understands the nuances of asset-based lending and will structure a loan that reflects your true financial picture.
Work directly with us — no call centers, no runaround, no scripts.
Access to top wholesale lenders means better rates and terms for you.
Our team knows this product inside and out — including the edge cases.
Your path to homeownership is valid — let us prove it with the right structure.
Talk to a LUMI Funding loan officer today and find out how much home your assets can buy. No SSN required to start, no obligation to finish.
