Asset Qualifier Loan Program - No income needed!

You may think that in order to qualify for a mortgage, you need to have steady income for at least 2 years, and be able to show proof with W-2’s and paystubs. But, that’s not true!

Borrowers with significant savings, investments or retirement accounts can use MiMutual’s Asset Qualifier Loan program! This program is a great option for borrowers who may have a hard time qualifying for a traditional loan due to lack of employment. This includes retirees, business owners, divorced with no income and real estate investors.

Borrowers qualify based on eligible assets. The assets used for income calculation can also be used for cash-to-close and reserves.



  • Available for Purchase and Refinance loans
  • Eligible properties include Primary Residence, Second Homes and Investment Properties
  • Loan amounts from $50,000 to $2,000,000
  • Interest-only options permitted