Is this loan right for you?
When bank statements and tax returns don’t work due to significant write-offs or unique professions like Professional Poker, we look at your wealth instead of your monthly paycheck. If you have substantial investment accounts from previous years of winnings, we qualify you based on those assets.
Benefits of this program
- No DTI Constraints: We don’t worry about Debt-to-Income ratios; your assets provide the qualification.
- No Income Restructuring: No need to change how you report income or pay yourself to qualify for a loan.
- Fast-Track Closing: Skip the complex income deep-dive and close your loan in as little as 20 days.
- Cash-Out Flexibility: Pull cash out (e.g., $300k) while keeping your 30-year fixed terms.
Eligibility requirements
- Significant liquid assets (e.g., $2M+ in investment or brokerage accounts)
- Assets must be from verifiable sources (winnings or previous years’ earnings)
- 30-year fixed-rate mortgage structure
- Clean credit history to support asset-based qualification
