Let Your Assets Do The Qualifying.
Loans from $150,000 to $3.5 Million, qualified from documented deposit, brokerage, and retirement assets, for the purchase or rate-and-term refinance of a primary residence.
For buyers with savings, not pay stubs.
However you have built it, there’s likely a path that fits.
- $150,000 to $3.5 Million from documented assets
- Retirement, brokerage, and deposit accounts
- Retirees and portfolio holders
- Purchase or rate-and-term refinance a primary residence
- No employment income required on this route
- Fixed and adjustable rate options
- Financing to 85% of value on this route*
Qualify from documented, eligible assets
Purchase or rate-and-term refinance
Primary residence financing
Retirement, brokerage, and deposit accounts considered
One to four units, condominiums, and townhomes eligible
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Asset Qualifier Loan?
A primary residence loan qualified from your balance sheet
The Saxton Asset Qualifier Loan builds the qualifying picture from documented assets rather than employment income, for buyers whose balance sheet is stronger than their pay history.
Eligible deposit, brokerage, and retirement accounts are divided across a set amortization period to produce a qualifying figure, subject to sourcing and seasoning requirements.
Use it to purchase a primary residence or complete a rate-and-term refinance, on single-family homes, planned unit developments, townhomes, and warrantable condominiums, with loan amounts from $150,000 to $3.5 Million.
Why choose the Saxton Asset Qualifier Loan?
Built for buyers whose balance sheet is strong even when their income documentation is not.
Recent Retirees
Qualify from documented retirement and investment holdings instead of employment income.
Between Ventures
Founders and executives between roles who hold substantial liquid assets.
Living On A Portfolio
Draw the qualifying picture from your portfolio rather than from a pay stub.
Inheritance or Windfall
Documented and seasoned proceeds can support a purchase.
Rate and Term Refinance
Replace an existing mortgage without changing the purpose of the loan.
Retired Borrowers
Documented assets can carry the file when there is no paycheck to show.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Asset Qualifier Loan.
Documented and eligible deposit, brokerage, and retirement accounts are generally considered. Loan amounts run from $150,000 to $3.5 Million, and this route generally starts around a 700 credit score. Sourcing and seasoning requirements apply.
No. This qualifying route is limited to a primary residence. Other Saxton programs finance second homes and investment properties.
No. This route is limited to purchase and rate-and-term refinance transactions only. Other Saxton programs offer equity access.
Not on this route. The qualifying calculation is built from your documented assets rather than from employment income.
Eligible assets are divided across a set amortization period to produce a qualifying figure. A licensed loan officer will walk through the calculation with you.
One to four unit properties, planned unit developments, townhomes, and warrantable condominiums.
One to four unit properties, planned unit developments, townhomes, and warrantable condominiums.
Find out what you qualify for
Whether you’re buying or refinancing a primary residence, there’s likely a Saxton Asset Qualifier Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.