Non-QM Loans
for Florida & Pennsylvania Buyers

Smart Home Financing for Self-Employed, Retired, and Asset-Rich Borrowers

Your income story doesn’t fit inside a box — your loan shouldn’t either.

At Dynamic Funding Solutions, we help Florida and Pennsylvania borrowers who don’t qualify under traditional Fannie Mae or Freddie Mac guidelines secure home financing with Non-QM (Non-Qualified Mortgage) programs. These flexible loans are built for entrepreneurs, retirees, investors, and professionals whose income comes from business deposits, assets, rental earnings, or 1099 work — not just W-2s.

Non-QM loans recognize your real financial strength, offering approval options that look at your bank statements, asset balances, or property income, instead of only your tax returns. Our local, licensed team reviews your entire financial picture and builds a mortgage plan designed around your life — not just your paperwork.

With over 28 years of lending experience, we specialize in Non-QM programs that meet CFPB and HUD compliance while providing real-world solutions for borrowers with unique income patterns.

Why Borrowers Choose Our Non-QM Programs

  • Homeownership Options for Self-Employed, Retired, and 1099 Borrowers.
  • Loan Programs That Accept Bank Statements, Assets, or Investment Income.
  • Trusted Local Experts Licensed in Florida & Pennsylvania

Dynamic Funding Solutions

Rate & Term Refinance Loans in Pennsylvania & Florida

Asset-Based Loans
for Florida & Pennsylvania Buyers

Turn Your Assets Into Homeownership Power — No Income Documents Required

At Dynamic Funding Solutions, we help asset-rich buyers, retirees, and investors in Florida and Pennsylvania qualify for home loans using verified assets instead of tax returns or W-2s.

Our Asset-Based Loan programs are built for financially secure clients who want flexible financing without relying on traditional income. If you have strong reserves, investments, or retirement funds, you can qualify based on what you own — not what you report.

With trusted NMLS-licensed advisors and full CFPB and HUD compliance, we design clear, secure loan options tailored to your goals and your portfolio.

Why Borrowers Choose Our Asset-Based Programs

  • Use verified assets (cash, investments, retirement funds) to qualify — no income required

  • Ideal for retirees, investors, and high-net-worth borrowers

  • Flexible terms for primary, second homes, and investment properties

  • Local lending expertise for Florida & Pennsylvania borrowers

Dynamic Funding Solutions

Asset-Based Loans Loans in Pennsylvania & Florida

Qualify Using Verified Assets — Not Income Statements      ✦
Perfect for Retirees, Investors, and High-Net-Worth Borrowers      ✦
Use Investment Accounts, Savings, or Retirement Funds to Qualify      ✦
No W-2s, Tax Returns, or Traditional Income Required      ✦
Flexible Loan Programs for Florida & Pennsylvania Homebuyers      ✦
Streamlined Asset Review with Fast Pre-Approvals      ✦
Secure Qualification Through Verified Bank or Brokerage Statements      ✦
Transparent Terms — No Guesswork, No Hidden Fees      ✦
Expert Support from NMLS-Licensed Florida & Pennsylvania Lenders      ✦
Backed by 28+ Years of Mortgage Experience Helping Asset-Rich Clients      ✦
Compliant with CFPB, HUD, and Fair Lending Standards

Asset-Based Mortgage Benefits for Homeowners in Florida and Pennsylvania

Home Financing Built on Real Wealth — Not Reported Income

At Dynamic Funding Solutions, we help retirees, investors, and high-net-worth buyers in Florida and Pennsylvania qualify for home loans using verified assets instead of tax returns or pay stubs.

Our Asset-Based Loan programs allow borrowers to qualify using investment accounts, savings, or retirement funds — providing flexibility for clients whose financial strength doesn’t show through traditional W-2 income.

These programs are ideal for borrowers focused on cash preservation, investment liquidity, and long-term financial planning.
With over 28 years of lending experience, our team ensures every application is handled with clarity, compliance, and confidence from start to finish.

Asset-Based Benefits You Can Count On

Qualify Using Verified Assets, Not Income Statements

Use liquid assets like savings, brokerage, or retirement accounts to qualify.


Perfect for borrowers living off investments or distributions who prefer not to document income.

Preserve Liquidity While Owning Property

You don’t need to deplete your assets to qualify — we calculate your ability to repay based on verified balances, not withdrawals.

Ideal for Retirees, Investors, and Asset-Rich Borrowers

Great for those with significant holdings but limited earned income — helping you purchase, refinance, or invest without tax return documentation.

Flexible Loan Options for Florida & Pennsylvania Borrowers

We partner with Fannie Mae–aligned and private portfolio lenders to offer solutions designed for the state-specific lending environment in both regions.

Straightforward, Transparent Process

We walk through every step in plain language — no hidden fees, no surprises — ensuring total confidence before closing.

You’ll understand exactly how your loan works before you sign.

Trusted Local Experts, Licensed in FL & PA

Our NMLS-certified advisors bring decades of experience structuring loans based on verified assets, guided by HUD and CFPB compliance standards.

We work directly with regional underwriters to make your approval smooth, predictable, and secure.

Why Choose Our Asset-Based Loan Services?

Dynamic Funding Solutions: Smarter Home Financing for Retirees, Investors & Asset-Rich Borrowers in Florida & Pennsylvania

Dynamic Funding Solutions: Smarter Home Financing for Retirees, Investors & Asset-Rich Borrowers in Florida & Pennsylvania

We help retirees, investors, and high-net-worth clients qualify for home loans using Asset-Based Mortgage programs — designed for borrowers whose financial strength lies in their verified assets, not income statements.

At Dynamic Funding Solutions, we specialize in Asset-Based Loans that calculate your ability to repay based on verified liquid assets such as bank deposits, investment accounts, or retirement funds. Our programs are ideal for borrowers living off distributions, portfolio income, or investment cash flow.

Instead of requiring W-2s or tax returns, we analyze your total asset picture to create a compliant and realistic qualification path.
Our local Florida and Pennsylvania lending teams work directly with seasoned underwriters, ensuring every stage — from consultation to closing — is clear, secure, and stress-free.

We make it simple to turn your savings into stability and your assets into opportunity — with transparency, speed, and total confidence.

You’ve built your wealth — now it’s time for your mortgage to recognize it.



Why Florida & Pennsylvania Homeowners Trust Our Asset-Based Loan Experts.

  • Licensed Across Florida and Pennsylvania
    Our NMLS-licensed mortgage advisors bring over 28 years of experience helping borrowers qualify through verified asset documentation — following CFPB and HUD compliance guidelines.

  • Fast Pre-Approvals (24–72 Hours)
    Enjoy quick, clear reviews of your brokerage or bank statements, with fast qualification and transparent asset calculations.

  • Qualification Based on Verified Wealth
    We use liquid asset balances — such as savings, retirement, or investment accounts — to confirm repayment ability without relying on W-2s or tax returns.

  • Multilingual Support Available
    We provide assistance in English, Spanish, Ukrainian, and Russian, ensuring every client understands their qualification path and loan terms.

  • Partnerships with Top Lenders
    We partner with Fannie Mae–aligned, FHA, and private portfolio lenders to offer solutions designed for non-traditional borrowers and investors in Florida and Pennsylvania.

  • Tailored Loan Structuring for Retirees and Investors
    Our advisors help match your loan to your asset mix, age, and financial goals — balancing liquidity, rate, and comfort.

  • Advisors Trained in Asset-Based Underwriting
    We’re specialists in asset depletion and portfolio lending, providing accurate, real-world calculations with zero confusion.

Let’s Build a Mortgage Plan Around the Wealth You’ve Earned

Whether your goal is to purchase a new home, refinance an investment property, or secure a second residence, our licensed lending team will help you design an Asset-Based strategy that protects your liquidity and long-term goals.

Every advisor at Dynamic Funding Solutions is NMLS-licensed and trained in asset documentation and verification standards.
We partner with Fannie Mae, HUD, and CFPB-compliant lenders to deliver fair, transparent programs for Florida and Pennsylvania homeowners.

Mortgage Calculator


Use our Asset-Based Loan Calculator to estimate your potential monthly housing payment — including principal, interest, property taxes, and insurance — based on verified asset balances rather than traditional income documentation.

This calculator helps Florida and Pennsylvania homeowners, retirees, and investors understand how their savings, brokerage accounts, or retirement funds could qualify them for a home loan.

You’ll get a clear preview of estimated payments, qualification ranges, and term options — all before applying.

It’s a simple way to explore how your assets can work for you — helping you plan responsibly and confidently for your next purchase or refinance.

✅ Compare estimated Asset-Based loan payments.
✅ Understand your qualifying range using verified assets instead of income.
✅ See how Asset-Based loans compare to traditional mortgage options.

“After three decades in lending, I’ve learned that real financial strength isn’t always shown on a tax return.”

Asset-Based Loans give investors, retirees, and financially independent borrowers a fair, compliant way to qualify using verified wealth — not just income on paper.


These programs are built for consistency, flexibility, and long-term financial control.

-Lena Polnet

Your Mortgage Deserves a Team That Gets It Right


At Dynamic Funding Solutions, we help Florida and Pennsylvania borrowers structure home financing that reflects their real financial foundation — not one-size-fits-all rules. Our process is built around clarity and strategy.

You’ll understand how your verified assets qualify you, how repayment terms are designed, and how to preserve your liquidity while securing your property goals.

Whether you’re retired, self-employed, or managing multiple investment accounts, our licensed team walks you through every option with full transparency, ensuring your plan fits your lifestyle today — and tomorrow.

Is an Asset-Based Loan Right for You?

5 Signs You Should Consider an Asset-BasedMortgage Instead of a Traditional Loan

01

You Have Strong Assets, Not Traditional Income

If your financial foundation comes from retirement accounts, savings, or investments instead of a monthly paycheck, an Asset-Based Loan could be the ideal fit.

Traditional underwriting focuses on income statements and pay stubs — overlooking borrowers whose wealth is real but not W-2 based.

Our program allows you to qualify using verified liquid assets such as brokerage accounts, retirement funds, or cash reserves to show your true financial stability.

You’ve built financial independence — your assets should now work for you.

Your financial strength deserves to count — not be discounted.

02

You’ve Been Turned Down by a Conventional Lender

Many qualified borrowers are declined by traditional banks because they can’t show “standard” income, even when they have substantial assets and strong credit.

Asset-Based Loans recognize your real repayment ability. By analyzing the balance and liquidity of your verified assets, we help you qualify for a purchase or refinance without the need for tax returns or W-2s.

We make approval simple, transparent, and fair — giving you access to the housing market on your own terms.

Your wealth tells your story — we help lenders hear it clearly.

03

You Want Control Over How Your Financial Strength Is Evaluated

If your income fluctuates or comes from multiple accounts, traditional underwriting may not capture your full picture.

With an Asset-Based Loan, your qualification is based on verified asset balances and depletion formulas, not just deposits or paychecks.

We’ll create a structure that fits your comfort level and timeline, showing how your savings and investments can qualify you — without forcing you into rigid income formulas.

Financial flexibility is power. We help you use it responsibly.

04

You Own Real Estate, Investments, or Business Accounts

If you have multiple properties, a retirement portfolio, or business savings, a traditional loan may limit your options.

Asset-Based programs allow you to qualify using a mix of assets, including real estate equity, money market accounts, or managed investments.

Our Florida and Pennsylvania specialists review every detail to align your approval with federal compliance standards — including HUD, CFPB, and NMLS lending requirements.

Your portfolio should open doors — not close them.

05

You Want Long-Term Stability and Liquidity

Asset-Based Loans are designed for borrowers who value flexibility, liquidity, and control.

You can structure payments to preserve your savings while securing a stable rate and predictable monthly cost. From interest-only options to full amortization plans, you’ll gain financing that adapts to your goals — not the other way around.

It’s the smarter way to protect your wealth while building homeownership security.

Financial independence should reward you — not restrict you.

Your Path to Homeownership and Financial Freedom Starts Here — With a With an Asset-Based Loan


At Dynamic Funding Solutions, we help Florida and Pennsylvania homeowners, investors, and retirees qualify for mortgage financing using verified assets instead of tax returns or W-2s.

Our Asset-Based Loan programs let your savings, investments, or retirement accounts show your financial strength — giving you access to flexible mortgage options designed around your liquidity, not just your paperwork.

You’ve built security through smart financial management — now it’s time for your assets to build your home.

This program is ideal for:

  • Retirees and investors who want to use savings, investments, or retirement accounts to qualify.

  • High-net-worth borrowers with strong asset portfolios but limited monthly income.

  • Self-employed professionals who prefer to qualify using verified financial accounts rather than tax returns.

We’ll help you review all your options — from Fannie Mae, FHA, and asset-depletion loan programs — to find the structure that fits your financial goals, your comfort level, and your future plans.

NO PRESSURE.

 

NO GUESSWORK.

 

JUST CLEAR, FLEXIBLE QUALIFICATION.

 

 

✅ Use Verified Assets to Qualify for Your Mortgage


✅ No W-2s, Pay Stubs, or Tax Returns Needed


✅ CFPB- and HUD-Compliant Lending Programs

Mortgage Calculator


Use our Asset-Based Loan Calculator to see how your verified assets could translate into a new home or refinance opportunity.

Estimate your monthly mortgage payment — including principal, interest, property taxes, and insurance — based on your actual liquid assets and financial structure.

This simple tool helps you understand what you can comfortably afford, plan long-term with confidence, and protect your savings while securing the home you deserve.

✔ Compare estimated asset-based payments.
✔ Understand your qualifying range based on real liquidity.
✔ Make confident decisions before applying.

This program helps you:

  • Turn your verified assets and investments into real borrowing power

  • Secure a mortgage that reflects your financial reality, not just your income statements

  • Maintain liquidity and long-term control over your financial goals

At Dynamic Funding Solutions, we help borrowers in Florida and Pennsylvania use their verified assets — such as investment accounts, savings, or retirement funds — to qualify for home financing.

With more than 30 years of lending experience, our licensed advisors bring clarity and confidence to every step, explaining exactly how your assets can be used to meet HUD, CFPB, and NMLS lending standards.

You’ve Earned This Benefit Let’s Put It to Work

Use Your Real Financial Strength to Qualify — Not Just Your Paperwork


Your Asset-Based Loan programs include options from Fannie Mae–aligned hybrid loans to private portfolio structures — each designed to fit your lifestyle, not your paperwork.

You’ve worked to build stability, flexibility, and independence. Now your mortgage should reward that same financial freedom.

Lenders & Platforms We Use

At Dynamic Funding Solutions, we rely on industry-leading, trusted, VA-approved institutions and technology platforms:

  • VA.gov

  • Ginnie Mae®

  • Calyx® LOS

  • Equifax®

  • CoreLogic®

  • DocuSign®

  • Notarize®

  • First American Title™

  • MGIC™ VA Tools

  • Flood Zone Reports by CoreLogic®

Dynamic Funding Solutions

Loans for Pennsylvania, & Florida

Mortgage Calculator
Estimate Your Monthly Payment Before You Shop

Use our free mortgage calculator to see your estimated monthly mortgage payment — including principal, interest, property taxes, homeowner’s insurance, and any mortgage insurance (PMI).

Our Asset-Based Loan Process

5 Steps to Turn Your Verified Assets Into Homeownership Power — Designed for Florida & Pennsylvania Borrowers

Step 1: Personalized Financial Review & Asset Evaluation

We begin with a clear, no-pressure conversation about your financial goals, investment structure, and available assets. Our licensed team reviews verified savings, brokerage accounts, retirement funds, or other liquid assets to calculate your real borrowing strength — without relying on W-2s or complex tax returns. You’ll understand how your verified assets translate into real home financing options that align with your comfort level and future plans. Your financial strength should define your opportunity — not your paperwork.

Step 2: Custom Loan Options & Qualification Strategy

Once your assets and liquidity are verified, we create a side-by-side comparison of Asset-Based Loan programs — from Fannie Mae–aligned depletion models to private portfolio lending structures. You’ll see exactly how each option affects your rate, repayment schedule, and available loan amount. Our goal is to make the math clear and the path simple — helping you choose the solution that fits your timeline, lifestyle, and long-term financial plan. We turn complex lending into clear financial strategy — without confusion or pressure.

Step 3: Documentation & Underwriting Guidance

Asset-Based Loans follow unique verification standards — but we handle every step for you. Our advisors work directly with underwriters to confirm asset balances, withdrawal calculations, and account histories while maintaining CFPB, HUD, and NMLS compliance throughout. You’ll receive updates in real time and clear explanations in plain English, so you always know where your file stands. Transparency and trust come first — always.

Step 4: Rate Lock & Final Loan Approval

Once verification is complete, we’ll secure your best available interest rate and finalize your loan through our trusted Florida and Pennsylvania lending network. You’ll receive a full breakdown of your loan structure — including rate, amortization schedule, and monthly payment expectations — with no hidden fees or last-minute changes. You’ll know every number before you sign — clarity guaranteed.

Step 5: Closing Day — and Confidence That Lasts

When you close, you’re not just finalizing a mortgage — you’re establishing a long-term partnership designed to protect your financial stability. Our team remains available post-closing to help you with asset management planning, refinance strategies, and future investment guidance, ensuring your mortgage adapts with you over time. You’ve built financial strength — now your mortgage should honor it.

Your Mortgage Flexibility Plan Deserves a Team That Gets It Right


At Dynamic Funding Solutions, we help homeowners, investors, and retirees across Florida and Pennsylvania qualify for home financing using verified assets — not just traditional income documentation.

Many capable borrowers have the financial strength to qualify but are overlooked by lenders who rely solely on W-2s or tax returns.

Our Asset-Based Loan programs are built for real-world borrowers — those who’ve built wealth through investments, retirement accounts, or managed portfolios — and need a mortgage that reflects their liquidity, not just their income line.

If your financial picture doesn’t fit a standard box, our team reviews 12 to 24 months of asset statements, investment reports, or verified balances to document your true borrowing strength. You’ll see exactly how your assets convert into lending power — in clear terms, with no confusion or sales pressure.

With over 30 years of experience, we’ve built a transparent, compliant process that gives borrowers full control and confidence — from initial consultation to final approval.

NO CONFUSION.

NO PRESSURE.

JUST STRAIGHT ANSWERS.

Here’s What You Can Expect:

    • Clear comparisons between Asset-Based Loans and conventional options — see the difference in structure and flexibility.

    • Step-by-step guidance for documentation and underwriting — explained in plain language.

    • Local expertise from Florida and Pennsylvania specialists who understand regional lending standards and asset verification guidelines.

You’ve built a unique income story — now it’s time for a loan that understands it.

Asset-Based Loan Borrower Protection & Global Client Security Commitment


At Dynamic Funding Solutions, we help homeowners, investors, and retirees across Florida and Pennsylvania secure Asset-Based Loans safely — with transparent underwriting, compliant lending standards, and encrypted data protection.

Our process is built on clarity, compliance, and care. From your first consultation to final approval, your financial information is handled with complete security using encrypted document systems and licensed professional oversight.

These programs are designed for financially independent borrowers — those whose wealth is defined by verified savings, investments, or retirement accounts.

We help you qualify based on your true financial strength, not just what’s listed on a tax return.

Asset-Based Loan Expertise You Can Trust

  • Tailored Qualification for Financially Independent Borrowers
    With over 30 years of lending experience, our advisors specialize in helping clients use verified assets — from investment portfolios to retirement accounts — to qualify for home financing that reflects their financial depth.

  • Clear Loan Comparisons — No Guesswork
    We present side-by-side comparisons of Asset-Based and Conventional mortgage structures, showing how each option impacts your rate, loan term, and liquidity — in plain, understandable language.

  • Flexible Options for Complex Financial Profiles
    From asset depletion models to portfolio-based programs, our licensed team structures loans that meet HUD, CFPB, and NMLS compliance standards while preserving your long-term liquidity.

  • Local Market Knowledge for Florida & Pennsylvania
    We partner with regional underwriters, appraisers, and title agents who understand the unique requirements of both states — ensuring a smoother, faster, and more compliant experience.

  • Client Results That Inspire Confidence
    We’ve helped retirees, investors, and asset-rich borrowers convert verified savings into secure homeownership — without sacrificing control or liquidity.

  • Built on Trust, Proven by Experience
    Our long-term clients value our transparent process, personalized communication, and deep understanding of alternative qualification lending.

Credentials & Lending Compliance You Can Rely On

Ready to Qualify for a Mortgage Using Your Verified Assets?


Call Dynamic Funding Solutions today for a free consultation on our Asset-Based Loan programs, designed for retirees, investors, and financially independent borrowers across Florida and Pennsylvania.

Our licensed mortgage team helps qualified clients secure home financing using verified assets — including investment portfolios, savings, trust funds, or retirement accounts — instead of traditional W-2 income.

No tax returns.
No rigid formulas.

Just clear, transparent guidance from experts who understand real-world wealth.
If a bank has ever told you, “You don’t fit the box,” an Asset-Based Loan may be your solution.

We’ll review your verified financial strength, document your qualifying assets under HUD and CFPB standards, and guide you from first consultation to closing — with real-time updates, encrypted file handling, and personal support at every step.

Your assets built your future.
Now they can help you build your home.

Asset-Based Loan FAQs

Answers to the Most Common Asset-Based Loan Questions for PA & FL Buyers

Still have Questions?

Let us Know and we will get back to you ASAP

Asset-Based Loan Essentials

What You’ll See During the Asset-Based Loan Process — What It Means, Why It Matters, and How We Help You Understand It
What You’ll See During the Asset-Based Loan Process What It Is Why It Matters to You How Dynamic Funding Solutions Helps
What You’ll See During the Asset-Based Loan Process Asset Review & Financial Strength Evaluation
What It Is A full review of your verified assets — including investment accounts, retirement funds, savings, or trust balances — to determine your qualifying power without relying on W-2 income or tax returns.
Why It Matters to You Gives you confidence by recognizing your real financial stability, not just reported income. This process helps you see how your assets translate into home-buying or refinance potential.
How Dynamic Funding Solutions Helps Our licensed mortgage team reviews every document securely through encrypted CFPB-compliant portals and calculates eligibility using approved HUD and NMLS standards.
What You’ll See During the Asset-Based Loan Process Asset Depletion & Income Conversion Analysis
What It Is A lender-approved formula is applied to calculate how long your verified assets can support monthly payments, using methods approved under Fannie Mae and HUD guidelines.
Why It Matters to You Provides a transparent view of your borrowing capacity and repayment comfort, ensuring your assets remain protected while supporting your loan.
How Dynamic Funding Solutions Helps We explain the depletion method in plain language, review lender calculations with you, and confirm every figure aligns with your comfort and financial plan.
What You’ll See During the Asset-Based Loan Process Loan Estimate (LE)
What It Is A federally required CFPB disclosure that outlines your estimated rate, loan term, and all projected costs before you commit.
Why It Matters to You Ensures you clearly understand your total loan cost and payment structure in advance — no hidden fees or last-minute surprises.
How Dynamic Funding Solutions Helps We walk through your LE line-by-line so every figure is accurate, fair, and matched to your agreed loan terms.
What You’ll See During the Asset-Based Loan Process Underwriting & Compliance Review
What It Is The stage where your verified assets, credit profile, and supporting documentation are reviewed by licensed underwriters to ensure full compliance with CFPB, HUD, and NMLS regulations.
Why It Matters to You Confirms your file meets every legal and security standard — protecting you from unexpected delays or compliance issues.
How Dynamic Funding Solutions Helps Our Florida and Pennsylvania underwriting partners provide updates in real time, ensuring accuracy, security, and complete transparency through every review.
What You’ll See During the Asset-Based Loan Process Rate Lock & Final Loan Approval
What It Is After underwriting is complete, your rate and terms are locked and finalized for closing — often within days of asset verification.
Why It Matters to You Gives you peace of mind by securing your interest rate and confirming your monthly payment range before closing.
How Dynamic Funding Solutions Helps We coordinate rate locks directly with approved lenders, verify all disclosures, and confirm each term with you in plain language before you sign.
What You’ll See During the Asset-Based Loan Process Closing Day & Post-Funding Support
What It Is The day your Asset-Based Loan closes, your funds are disbursed or your prior mortgage is paid off, and your payment schedule begins.
Why It Matters to You Marks the start of a long-term partnership — helping you maintain liquidity and stability while enjoying homeownership or refinance benefits.
How Dynamic Funding Solutions Helps Our closing team works with licensed title professionals in Florida and Pennsylvania to ensure secure document handling, clear communication, and full post-closing assistance.
Warning