Asset Qualifier

For borrowers with assets. No employment required.
View Program Matrix
  • Loans up to $4 million with a minimum of $150,000
  • Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
  • Primary residence only
  • No employment, no income, no DTI
  • Five years’ seasoning foreclosure, short sale or bankruptcy
  • Rates are 30-year fixed
  • Interest only program available
  • All assets must be sourced and seasoned for a minimum of six months
  • Required assets: Loan amount, recurring monthly debt multiplied by 60 months, funds to close and three months reserves
  • Borrowers must have at least $500,000 in post-closing assets.

Min FICO

700

Max LTV

75%

Rockstar Wholesale’s Asset Qualifier loan product allows borrowers to qualify using their liquid assets. We do not require employment, income or DTI to justify ability-to-repay. We qualify based on required assets that meet seasoning requirements. We have helped retirees, underserved self-employed, divorced with no income, and other borrowers with required seasoned assets to purchase or refinance. This easy to close loan is another solution helping borrowers with their home loan needs who could not under Agency guidelines.

Asset Depletion Programs

Are you like Scrooge McDuck, rolling around in a vault full of gold coins? But maybe you don’t show a lot of income on your tax returns because you have liquid assets but aren’t taking a regular distribution? We have loan programs for people that don’t need to borrow money, but want to so they don’t have to deal with wheelbarrows full of gold at the closing table. There are ways to qualify you using (gasp) common sense where your asset balances are used in place of traditional income calculations.

Term: 30 years

Maximum Amount: $766,550 (Depends on County)