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How to Buy a Home with Little Income, but a Lot of Assets

Mortgage and Lending with Cambria Mortgage NMLS 274132

Looking to qualify for a home with little income, but a lot of assets?

Our Non-QM Asset Utilization home mortgage loan is on a draw schedule of just 60 months! Simply take your assets, divide by 60, and that is your qualifying monthly income! There are no reserves required and you can combine it with other income to help qualify.

Asset Based Mortgage Loans
Assets used to qualify must be seasoned in the bank for 120 days EXCEPT:

  • Sale of business
  • Inheritance
  • Legal settlements
  • Cash out from delayed financing is eligible

Qualified Assets We Can Use:

  • 100% of checking, savings, money market accounts
  • 80% of stocks, bonds, mutual funds
  • 70% of retirement funds

Give me a call to discuss how we can help borrowers with good assets qualify, before or after retirement age, in today's market, or Click HERE to learn more.

Minimum assets $450k if just using assts to qualify. Minimum assets just $250k if using assets PLUS other income sources to qualify.


Cambria Mortgage, the Joe Metzler Team lends in CO, FL, IA, MN, ND, SD, and WI. To see if you qualify, we simply need you to complete a no cost, no obligation online application. You can call (651) 552-3681,  or schedule an appointment for a phone, office, or Zoom appointment right online, or for faster service, simply complete an online application.

Cambria Mortgage

Cambria Mortgage, NMLS 274132. Serving #Minnesota #Wisconsin #Iowa #NorthDakota #SouthDakota #Colorado #Florida.

This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. Information here can become out of date, and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting.


John Pusa
Glendale, CA

Hello Joe Metzler very good helpful report for how to buy a home with little income, but a lot of assets.

May 03, 2024 03:28 PM
Richard Weeks
Dallas, TX
REALTOR®, Broker
Great information, thanks for sharing.  I hope you have a great day.
May 04, 2024 03:23 AM