An FHA loan opens the door — you bring the dream.

Got Questions?

We've Got Answers.

FHA Loans

FHA loans typically require a down payment of just 3.5% of the purchase price, making it easier for buyers to get into a home. In addition, FHA loans have more flexible credit requirements than conventional loans, allowing borrowers with less-than-perfect credit to still qualify. These factors make FHA loans an attractive option for many home buyers looking to achieve their dream of homeownership.

Let's Chat About It

Schdule a Consultation with Brigett

Ideal Borrowers for Asset Qualifier Loans

Is an Asset Qualifier Loan Right for You?

💰 Use Assets to Qualify

Get approved based on verified assets — no job, income, or employment needed.

🏦 Ideal for Retirees or Investors

Perfect for high-net-worth clients who have sufficient assets but no traditional income.

🧾 Simplified Documentation

Show proof of asset balances instead of pay stubs, W-2s, or tax returns.

Is an Asset Qualifier Loan Right for You?

A Good Fit If…

Not a Fit If…

✔

You have substantial liquid assets

These loans use your savings, retirement, or investment accounts to determine eligibility.

✖

Your assets are limited or mostly illiquid

If most of your wealth is tied up in non-liquid assets, this loan may not work for you.

✔

You prefer not to document income

Ideal for retirees, investors, or high-net-worth individuals without steady employment income.

✖

You have consistent W-2 or self-employment income

If your income is easy to verify, a traditional loan may offer better terms.

✔

You can show at least 3–5 years of reserves

Asset depletion calculations typically require a reserve period based on your monthly expenses.

✖

Your assets won’t meet reserve guidelines

If you can’t meet the reserve threshold, you may not qualify without other compensating factors.

✔

You want to avoid tax return review

Asset loans skip tax documents and instead evaluate your overall financial picture.

✖

You want the lowest rate possible

Rates may be slightly higher than FHA or conventional due to limited income documentation.

What client say about us

Lorem Ipsum is simply dummy text of the printing

and typesetting industry. Lorem Ipsum has been

he industry's standard dummy text ever since the

1500s, when an unknown printer took a galley of

type and scrambled.

Darcel Ballentine

Barone LLC.

Lorem Ipsum is simply dummy text of the printing

and typesetting industry. Lorem Ipsum has been

he industry's standard dummy text ever since the

1500s, when an unknown printer took a galley of

type and scrambled.

Darcel Ballentine

Barone LLC.

FHA FAQ's

We understand that applying for an FHA loan can bring up a lot of questions, especially for first-time homebuyers. This FAQ section is here to provide clear answers and guidance, helping you feel confident and informed throughout the entire process, from pre-qualification to closing day.

 What is an FHA loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, designed to help borrowers with low-to-moderate income or credit challenges qualify for home financing.

Who is eligible for an FHA loan?

Eligibility generally includes a minimum credit score of 580, a steady employment history, and the ability to make a down payment of at least 3.5% of the purchase price.