Why Choose Rich Bonn for Your Asset Qualification Plus Loan?
There’s a mortgage program people talk about in hushed tones, like it’s a VIP pass you’re not supposed to know exists.
Asset Qualification Plus.
And before anyone panics, let’s clear something up. This is not “asset depletion.” Rich Bonn refuses to use that phrase because no one works their whole life just to hear their money described like a medical condition.
Asset Qualification Plus is the grown-up, non-scary version of that idea, and when used correctly, it can be one of the most logical mortgage options available.
When Income Isn’t the Right Measurement Anymore
Traditional mortgages are obsessed with one thing: income.
But what if:
You’re retired
You’re between ventures
You’ve exited a business
Your investments generate returns
Your money makes money, even without a paycheck
In those cases, income alone doesn’t tell the full story. Financial strength does.
That’s exactly the gap Asset Qualification Plus fills.
What Is an Asset Qualification Plus Loan?
An Asset Qualification Plus loan qualifies you based on the assets you’ve already built, rather than relying on traditional employment income.
Here’s how it works in plain English:
Liquid assets are reviewed
Savings, investments, and certain retirement accounts may be included
Those assets are converted into a qualifying income figure on paper
You can qualify even without a traditional paycheck
It’s designed for people who don’t fit neatly into IRS boxes but are financially strong nonetheless.
This isn’t a loophole.
It’s logic catching up to reality.
Meet Rich Bonn, Mortgage Broker Who Understands Financial Strength
Rich Bonn is a Houston-based mortgage broker with over 30 years of experience and the founder of Habayit Home Loans. He specializes in helping borrowers whose financial lives don’t align with traditional mortgage checklists.
Rich is also the author of How to Get a Mortgage When Your Tax Return Says No, a book written for people whose real financial picture is stronger than what standard documentation shows.
Asset Qualification Plus fits perfectly into Rich’s approach:
use what actually matters to qualify, not outdated rules.
Who Asset Qualification Plus Is Built For
This program is ideal for people who:
Have significant liquid assets
Are retired or semi-retired
Are between businesses or careers
Have investment-heavy wealth
Don’t draw a traditional salary
Want their financial strength to actually count
If you’ve built wealth but don’t show income the “right” way, this program was designed with you in mind.
Why the Right Broker Matters With Asset Qualification Plus
Asset Qualification Plus loans are powerful, but they’re also specific.
The wrong lender:
Miscalculates qualifying assets
Excludes accounts unnecessarily
Overcomplicates the math
Creates confusion and anxiety
The right broker:
Knows which assets count
Converts them correctly into income
Explains the process clearly
Handles the math so you don’t have to
This is where Rich’s experience changes everything.
How Rich Approaches Asset Qualification Plus Loans
Rich keeps this process calm and human:
Conversation first
Understanding your financial picture and goals.Asset review
Identifying which accounts can be used.Income conversion
Turning assets into a usable income figure.Clear expectations
No mystery. No weird math anxiety.
If your assets tell a strong story, Rich can usually turn that into a clear mortgage path.
A Mortgage That Actually Matches Your Life
Asset Qualification Plus exists because not everyone’s success looks like a W-2.
If you’ve done well, saved well, invested well, and structured your life intentionally, your mortgage should reflect that.
This is one of those rare programs where the rules actually make sense.
Ready to See If Your Assets Can Qualify You?
If you want to know whether your savings, investments, or retirement accounts could help you qualify for a mortgage, the next step isn’t stress or spreadsheets.
It’s a conversation.
Schedule a call with Rich Bonn and see if Asset Qualification Plus is the right fit for you.
