Assets

When savings are stronger than reported income

Qualify using liquid assets such as savings, brokerage, and retirement accounts rather than only documented income.

Written by Allen Hong, NMLS 1295255·Last updated: October 8, 2026

Who this is for

This fits retirees and borrowers with substantial assets but low reported income.

How qualifying works

A lender may look at liquid assets instead of relying only on documented income.
How those accounts are treated varies by lender, property, and borrower.
This page does not state a formula, a percentage, or an asset minimum.

What you'll need

Asset statements
Photo identification
Property details
Housing history

Printable checklist

Questions people ask

Which accounts can be used?

Savings, brokerage, and retirement accounts are the usual starting point. What a lender accepts depends on the account and the lender.

Is there a set percentage of assets that counts?

I do not publish a formula or a percentage here. The lender decides how assets are treated.

Which states are covered for this option?

This option is confirmed in Arizona, Texas, and California. You can still send an inquiry from another state. I review it before treating it as a loan I can originate.

What past clients say

Astrid H.Google review, Clarke Capital (now Flex Path Funding)

I had the opportunity to work with Allen as my loan officer throughout my purchase and have been extremely pleased since we began. He has been very professional, attentive and super responsive, patient, and has answered all of my questions over and over. His promptness and timely communication has been such an integral part of making this process as seamless as it was. I highly recommend working with him and will be so glad to do so for my next purchase.

Reviews are from past clients of Allen Hong at Clarke Capital (now Flex Path Funding) and at previous companies. Individual experiences vary. Not all reviews are recent.

Talk it through

A short form or a phone call. No application on this page.

Call 602-887-8989

Licensed in Arizona, Texas, and California.

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Requirements vary by lender, property, and borrower. Nothing on this page is a rate, an approval, or a commitment to lend.