Use Assets as Income.
Expand Your Reach.
If your wealth is real — but your income is structured — we know how to present it. Qualify for mortgages based on your liquid assets, not traditional employment income.
Specialty Programs for High-Net-Worth Individuals
Designed for asset-rich, liquidity-strong, and capital-backed borrowers who need flexible qualification options.
Convert eligible liquid assets into qualifying income using the 60-month asset formula.
- Up to 90% LTV Primary
- No Employment Required
- Minimum 600 FICO
Leverage investments to strengthen loan positioning without forced liquidation.
- Keep Your Investments
- Competitive Rates
- Flexible Terms
Qualify using actual cash flow from bank deposits instead of tax returns.
- Up to 90% LTV Primary
- Self-Employed Friendly
- 12-Month Statements
Calculate Your Qualification
See how your liquid assets convert to qualifying income
Typical range: 40-50% for premium lending
Standard: 60 months (5 years) for most programs
Required Monthly Income
$12,000
Annual Income Equivalent
$144,000
Required Liquid Assets
$720,000
How It Works:
Under the ATR Asset Depletion formula, if you have $720,000 in eligible liquid assets, you may qualify for a mortgage with a $6,000 monthly payment at a 50% DTI ratio, without requiring traditional income documentation.
Ready to explore your asset-based qualification options?
Success Stories from HNWI Clients
Real borrowers, real results, real wealth-based qualification
Success Stories from High Net Worth Clients
See how BankerBroker® has helped affluent borrowers qualify for their dream homes using asset-based and alternative income strategies.
David Chen
Venture Capital Partner
Silicon Valley Ventures
"As a business owner with fluctuating income, traditional lenders turned me down. BankerBroker understood my situation and structured an ATR asset-based mortgage that let me qualify based on my liquid assets instead. Closed in 30 days."
RESULT
$2.5M purchase, 85% LTV, no income documentation
Margaret & Robert Sullivan
Retired Executives
Fortune 500 Retirees
"We have significant investment portfolios but minimal W-2 income. Massey and his team showed us how to leverage our assets for qualification. The pledged asset mortgage structure was perfect for our situation."
RESULT
$3.2M oceanfront home, portfolio-backed qualification
Jennifer Martinez
Real Estate Investor
Martinez Property Group
"I was between ventures and couldn't show traditional income. BankerBroker's asset-based program allowed me to close on a $1.8M investment property using my cash reserves. Professional, fast, and stress-free."
RESULT
$1.8M investment property, 30-day close
Thomas Westbrook
Business Owner
Tech Consulting Group
"My business income is structured for tax efficiency, which made traditional qualification impossible. BankerBroker presented my financial situation properly and I qualified for my dream home in Montecito."
RESULT
$4.1M primary residence, 80% LTV
Lisa & Michael Park
Private Wealth Clients
High Net Worth Family
"We appreciated BankerBroker's confidentiality and sophisticated approach. They understood our complex financial structure and delivered a solution that protected our privacy while getting us approved."
RESULT
$5.8M luxury estate, portfolio-backed
Your Success Story Starts Here
If you're a high-net-worth individual with strong liquidity but non-traditional income, BankerBroker® can structure the right solution for you.
$500M+
Funded in Asset-Based Loans
1000+
High Net Worth Clients Served
98%
Client Satisfaction Rate
30 Days
Average Close Timeline