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Income is not the only way to qualify for a home loan. If you have assets, such as money in your bank account, retirement accounts, stocks and bonds, you can qualify for a mortgage.
Using asset dissipation – also known as asset-based lending – you can even qualify for a long-term fixed-rate mortgage.
To figure out what your assets equal in qualifying income:
For example, if you have:
Even if you’re retired, you can still qualify for a mortgage, and your nest egg can help you do it!
Maximum 42 percent debt-to-income and minimum 700 FICO credit score. Other restrictions and product guidelines may apply. Contact your Bell Bank Mortgage loan officer for details.