09/08/2026
Not everyone’s income comes with a W-2.
If you’re retired, self-employed, or have substantial assets but your income doesn’t fit the traditional mortgage box, there may be another way to qualify.
Certain mortgage programs can use eligible assets to help calculate qualifying income, potentially giving borrowers more flexibility when traditional income documentation doesn’t tell the full story.
Have assets and wondering what your options look like?
Talk with an Ideal Lending loan officer to see what may be available for your situation.
*Program guidelines, asset eligibility, and qualification requirements apply. Not all applicants will qualify.