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Asset Qualifier Mortgage | No Income Home Loans in Maryland

Asset Qualifier Loan Program in Maryland

No Income? No Problem. Use Your Assets to Qualify for a Mortgage.

If you're retired, between jobs, or simply living off your savings, qualifying for a traditional mortgage may be difficult — even if you have substantial assets. That’s where the Asset Qualifier Loan Program comes in.

This program allows you to use liquid assets (like retirement accounts, investment portfolios, and savings) to qualify for a mortgage — without showing employment, income, or tax returns.

It’s ideal for high-net-worth individuals in Maryland who want to buy or refinance without documenting income.

Who Is This Program For?

Retirees living off savings or retirement income
High-net-worth individuals with limited or no reportable income
Self-employed borrowers with strong asset reserves
Borrowers between jobs or in career transition
Investors who want to preserve liquidity

Program Highlights

No employment, income, or tax return documentation required
Use personal and retirement assets to qualify
Assets must cover loan amount, reserves, and living expenses
Loan amounts up to $4 million
Available for primary, second home, and investment properties
Can be used for purchase or refinance
Down payments as low as 20% depending on credit and loan size

It might be easier to get pre-approved for a mortgage than you ever imagined. We believe in making it as easy as possible for everyone to purchase their own home. Click here now to get started, it only takes a few minutes online.

Documentation Needed

Proof of assets (bank, brokerage, retirement statements)
Sufficient assets to cover loan amount + reserves + 60 months of living expenses
Valid ID and standard mortgage documentation
Minimum credit score requirements apply (usually 600+)