There’s a certain mortgage program people talk about in hushed tones—like it’s a secret handshake or a velvet-rope-only situation.

It’s not.

It’s called Asset Qualification Plus, and it exists for one simple reason: not everyone with real financial strength fits neatly into the IRS’s idea of “income.”

And frankly, that’s not your problem. It’s the lender’s job to understand it.

What Is Asset Qualification Plus (And What It Is Not)

Let’s clear the air first.

This is not “Asset Depletion.”
That phrase sounds like either a medical diagnosis or something your trainer threatens you with at the gym.

Asset Qualification Plus is the grown-up, non-scary version of that concept.

Instead of focusing on:

• Pay stubs

• W-2s

• Tax returns that don’t reflect reality

This program looks at:

• Liquid assets

• Savings

• Investment accounts

• Eligible retirement funds

In short: the money you’ve already built.

Those assets are converted — on paper — into a qualifying income figure, even if you’re not receiving a traditional paycheck.

No depletion drama. Just intelligent math.

Who This Program Was Actually Designed For

Asset Qualification Plus works beautifully for people who are financially solid but don’t fit into a “normal” lending box, including:

• Retirees who are done punching clocks

• Entrepreneurs between ventures

• Investors whose money works harder than they do

• High-net-worth individuals with complex income structures

If your balance sheet looks strong but your tax return looks “odd” to a traditional lender, congratulations— you’re exactly who this program was built for.

This is what happens when mortgages are designed to make sense.

Why This Approach Matters More Than Ever

Traditional lending asks one narrow question:

“What do you earn right now?”

Asset Qualification Plus asks a better one:

“Do you have the financial strength to support this home responsibly?”

That difference matters—especially for people who planned well, saved well, invested wisely, or simply live life on their own terms.

You shouldn’t be penalized for success that doesn’t come with a biweekly paycheck.

The Best Part: You Don’t Have to Figure This Out Alone

The math behind asset-based qualification can feel intimidating. That’s normal.

You don’t need to:

• Guess

• Estimate

• Or stress over spreadsheets

A proper conversation walks through your assets calmly, clearly, and without pressure—so you know what’s possible before making any decisions.

No weird math. No anxiety spirals. Just clarity.

Ready to See If Your Assets Can Qualify You?

If this sounds like your situation, the next step isn’t an application—it’s a conversation.

One where your financial story is actually understood.

Contact Information

Rich Bonn
Habayit Home Loans
📞 281.841.1723
📍 4660 Beechnut St, Ste 225
Houston, TX 77096