Access more funding options with your assets.
Qualify for your next loan without tax returns.
Redefining the
mortgage process.
Alternative Qualification Options
No monthly income? Get approved with assets like stocks, bonds, cash equivalents, and retirement accounts!
Flexible Underwriting
Thanks to our expert calculations, we double the monthly income qualifying amount — making it easier to secure funding.
Faster Funding
We’ve perfected our transaction process and can get you pre-qualified in as little as 24 hours!
Program Highlights
Asset Qualifier/ Asset Depletion Loans
- Loan-to-Value up to 90% for Purchase
- Loan-to-Value up to 80% for Rate & Term Refinance
- Loan-to-Value up to 70% for Cash-Out Refinance
- Different asset types are accepted
- Double your qualifying monthly income, since the draw period is only 5 years (qualifying assets / 60 months)
Have a question?
We have the answers.
What is an Asset Qualifier loan?
Asset Qualifier loans offer an alternative path for borrowers to secure mortgage financing. Instead of relying solely on traditional documents like W-2s and tax returns, we assess your personal balance sheet for a comprehensive view of your financial standing.
Who can benefit from this program?
Ideal for those without a consistent monthly income, but with substantial assets. If you have stocks, bonds, cash equivalents, and retirement accounts, this solution opens more doors for funding.
Consider a retiree with no monthly income, but significant accumulated assets. Rather than relying on income, they can use their retirement account to qualify for financing.
How to qualify for asset-based lending?
Qualifying for these loans is straightforward: borrowers only need to provide proof of their assets. Unlike traditional lenders, who primarily assess monthly income, LendSure provides more flexibility for property financing.
LendSure focuses on three asset types: cash and equivalents, stocks and bonds, and retirement accounts. By evaluating these assets, we determine the total qualifying amount to assess your mortgage eligibility.
How do LendSure's Asset Qualifier loans work?
LendSure credits you for 100% of cash and equivalents, 80% of stocks and bonds, and 70% of retirement accounts. Our underwriting process allows for a higher qualifying monthly income. For instance, by dividing the total assets by 60, we calculate the eligible monthly income. This stands in contrast to standard Asset Depletion programs, which typically divide assets by 120 months. Therefore, our Asset Qualifier program essentially doubles your qualifying monthly income amount.
