YouTube

Use Your Bank Account To Buy A Home (No Income Needed)

2026-04-13 · 17:03 UTC ·Win The House You Love ·1 min read

Brief

Win The House You Love (tutorial, 2026-04-13) walks through asset qualifier loans: how to convert investments, retirement accounts, and savings into qualifying income using the 125% rule, which assets qualify or don’t, down payment expectations, and how the method works for investment properties. Kyle Andrew Seagraves (NMLS 1701021) provides calculators, links, and a lender disclaimer.

Why it matters

Asset qualifier loans let borrowers use assets (investments, retirement accounts, savings) instead of income to qualify for a mortgage; the video explains applying the 125% rule to convert assets into qualifying income.

Key details

  • Kyle Andrew Seagraves (Licensed Loan Originator, NMLS 1701021) published this tutorial on 2026-04-13 and lists which assets count, which are ineligible, down payment rules, and how the program applies to investment properties.
  • The presenter provides practical resources (pre-approval link, rate and loan calculators) and a clear disclaimer to verify calculations and consult licensed professionals; NFM Lending (NMLS 2893) contact details are included.
Source evidence

If you have investments, retirement accounts, or savings but can't qualify on income alone, this video shows you exactly how an asset qualifier loan works, from the 125% rule to which assets count and who it's for.

► ► Get Pre-Approved With My Team → https://www.winthehouseyoulove.com/lender
► ► Get An Agent Referral → https://www.winthehouseyoulove.com/agent

TOP RESOURCES
📉 Today’s Rates → https://www.winthehouseyoulove.com/rates
🏡 Max Purchase Price Calculator → https://www.winthehouseyoulove.com/maxprice
📊 Loan Comparison Calculator → https://www.winthehouseyoulove.com/advisor
📅 Complete Buying Timeline → https://www.winthehouseyoulove.com/timeline
🎓 Lower Student Loan Payments → https://www.winthehouseyoulove.com/student
💳 Credit Score Simulator → https://www.winthehouseyoulove.com/credit

0:00 Overview
0:45 Asset Qualifier Loan
0:56 125% Rule
3:16 Why Not Use Other Loans?
4:53 Method 2 & 3
5:26 Who Is This For?
6:25 Eligible & Ineligible Assets
7:17 Down Payment
8:29 Other Details
10:05 Investment Properties

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
NMLS #2893
Equal Housing Lender

Channel: Win The House You Love
Published: 2026-04-13
Video URL: https://www.youtube.com/watch?v=_BvIterS6GE