Can I qualify using investments instead of income?

Asset-based qualifying is available on certain jumbo programs. We calculate the usable amount from your statements.

How long does a Mercer Island jumbo take to close?

Faster than most people expect when documents come in early, my average across all loans is 15 days or less.

King County · Washington

Mercer Island is a jumbo market with limited inventory and highly individual properties. Appraisal strategy and asset documentation carry the file.

Unique properties need appraisers with genuine island experience.
Asset-depletion and portfolio programs can qualify buyers whose wealth isn't in W-2 income.
Waterfront parcels have specific insurance and appraisal considerations.

King County is a high-cost area, so the conforming limit is set above the national baseline and high-balance conventional loans are routine.
Condo and townhome density is high, which makes project review and HOA documentation part of most files.
Tech compensation, RSUs, bonus, deferred comp, is common, and documenting it correctly is often what unlocks the approval size.

Can I qualify using investments instead of income?: Asset-based qualifying is available on certain jumbo programs. We calculate the usable amount from your statements.
How long does a Mercer Island jumbo take to close?: Faster than most people expect when documents come in early, my average across all loans is 15 days or less.

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