Qualify for a Mortgage Using Your Assets

At Northstar Funding, we specialize in helping clients secure a mortgage using assets rather than traditional income. This flexible financing strategy allows high-net-worth borrowers, retirees, and self-employed individuals to leverage their liquid assets to qualify for home loans without the need for tax returns or paystubs.

By converting your liquid assets into qualifying income, our tailored mortgage solutions allow you to access competitive financing while avoiding the need for paystubs or tax returns. Whether you’re working with investment accounts, savings, or retirement funds, we structure a solution around your net worth and financial profile.

Our programs offer up to 90% LTV and loan amounts as high as $4,000,000. For borrowers seeking speed, flexibility, and privacy, this asset-driven strategy provides an ideal alternative to conventional lending.

Whether you’re using securities, retirement accounts, or savings, our process helps convert your net worth into approvable income, enabling faster and easier access to funding.

Fast. Flexible. Designed for Your Financial Profile.

At Northstar Funding, we offer a range of asset-based mortgage solutions tailored for today’s financially diverse borrowers. Whether through an Asset Depletion Loan, Portfolio-Based Mortgage, or a Liquid Asset Mortgage Program, our goal is to provide mortgage options that prioritize assets over traditional income.

We understand that many high-net-worth individuals, such as retirees, self-employed professionals, or those with substantial savings, may not meet traditional underwriting requirements. That’s why our Asset-Based Mortgage Loans and Asset Qualifier Mortgage options are structured to reflect your real financial strength.

With loan amounts up to $4,000,000 and loan-to-value ratios as high as 90%, our No-Income Asset-Based Loans and Retirement Asset Mortgage Loan programs are designed for borrowers who seek speed, flexibility, and minimal documentation.

Choose Northstar Funding for a High Net Worth Mortgage Program that’s built around your portfolio, not your paycheck.

See all loan programs ➜

Loan Features & Borrower Benefits

• ✅ Up to 90% Loan-to-Value (LTV)
• ✅ Loan amounts up to $4,000,000
• ✅ Use 100% of liquid assets (stocks, bonds, cash)
• ✅ Eligible for all property types and occupancy statuses
• ✅ Only 2 months of statements required
• ✅ No tax returns or income docs needed
• ✅ Works for both W-2 and Self-Employed borrowers
• ✅ Cash-out refinance options available

Program Guidelines

• 🔒 Minimum FICO: 660
• 🔒 No age restrictions
• 🔒 Retirement accounts (401k, IRA) are counted at 60% of value if under age 60

Example: Asset-Based Income Calculation

Here’s how $600,000 in assets can convert to monthly qualifying income based on different underwriting guidelines:

✔ Use this income as your sole qualifier or in combination with other sources.

Check your eligibility ➜

Start Your Application

Ready to qualify based on your assets? Apply now or connect with a Northstar Funding specialist today.

You may also want to consider: Should homeownership be part of my retirement plan?  Reverse Mortgages