At JZ Mortgage, we understand that traditional qualification methods don't always work for everyone. That’s why we’re proud to offer our Asset Only Qualification Program, a flexible and streamlined solution for borrowers who want to leverage their financial assets to secure a mortgage loan. No personal income, tax returns, or employment are required to qualify.

Program Highlights:

  • Loan-to-Value (LTV): Borrow up to 90% of the property’s value with no need for tax returns, employment verification, or proof of other income.
  • Qualification Made Easy: Approval is based solely on your asset holdings, making it an excellent option for retirees, investors, and high-net-worth individuals.

What We Consider:

We evaluate the value of your liquid and semi-liquid assets, including:

  • Bank Accounts: Checking and savings balances.
  • Retirement Accounts: IRAs, 401(k)s, and similar accounts.
  • Brokerage Accounts: Stocks, bonds, and mutual funds.
  • Liquid Assets: Any easily accessible financial resources.

Why Choose Asset Only Qualification?

  1. Simplified Process: Skip the hassle of providing employment details, tax documents, or income statements.
  2. High LTV Options: Borrow up to 90% of your property’s value for increased flexibility in purchasing or refinancing.
  3. Tailored for Unique Needs: Ideal for individuals with significant assets but non-traditional income sources or employment statuses.

Who Benefits from This Program?

  1. Retirees with substantial savings or investment portfolios.
  2. Entrepreneurs whose income may not fit conventional underwriting standards.
  3. Investors who wish to use their liquid wealth to qualify for a loan.

How It Works:

  1. Asset Assessment: We’ll review your financial portfolio, focusing on assets such as cash reserves, retirement savings, and investment accounts.
  2. Qualification: Based solely on your assets, we calculate your eligibility for a loan of up to 90% LTV.
  3. Fast Approval: Streamlined documentation and processing ensure a quicker path to securing your loan.

Start Today!

Ready to turn your financial assets into the key to your dream home? Our expert team is here to guide you through every step of the Asset Only Qualification process. Contact us today to learn more and see how we can help you secure financing based on your unique financial profile.