Asset-Depletion Qualification
Retired or asset-rich / income-light client with $1M+ liquid but no paystub. We convert verified portfolio & retirement balances into qualifying income — no employment needed.
Retirees · Asset-richFor Financial Planners & RIAs Buy the house. Keep the portfolio. Skip the capital-gains bill.
A mortgage referral puts your fiduciary reputation on the line — and you can’t earn a dime from it. So the only thing that matters is that we don’t embarrass you. We qualify your clients on assets, not just a W-2 box, structure financing so they don’t liquidate appreciated positions to make a down payment, and we never pay for referrals. RESPA-clean, by design.
Why fiduciary planners switch to Fidelity
Six reasons the mortgage referral stops being a risk to your client relationship.
A bad mortgage referral reflects on the trust you spent years building. Here’s what changes when the lender is built for a planning clientele.
We close the clients your retail lender bounces.
Asset-rich, income-light, self-employed, RSU-heavy — the exact client you refer. Complex income and assets are our normal, not our exception. “Couldn’t document the income” is why most referrals die; it’s where we start.
Buy the house — don’t liquidate the portfolio.
We qualify on assets and structure financing so the client doesn’t sell appreciated positions for a down payment and trigger a capital-gains event. We speak your language; we look like an extension of the plan.
No referral fees. Ever. By design.
Paying for mortgage referrals is a RESPA Section 8 violation. A partner who doesn’t pay is the only conflict-free choice — and one you can document cleanly on your ADV. The absence of a check is the entire point.
A senior contact who picks up — not an LO gone next quarter.
Retail LO turnover means you re-explain your book to a stranger every year and your client gets churned to a call center. You get one accountable senior contact for your entire client base.
Speed and certainty on the hard files.
Complex assets usually mean slow, conditional, fall-through closings. We pre-structure the qualification path up front, so you’re not fielding a panicked client call 48 hours before closing.
We hand the relationship back.
We don’t cross-sell your client into wealth products or “stay in touch” forever. We close the loan and return the client. You stay the quarterback of the relationship.
How we qualify the clients you send
The financing tools that fit a balance sheet — not just a paystub.
Your clients are wealthy in ways a retail underwriter can’t see: portfolios, equity comp, business cash flow, illiquid assets. These are the programs that turn “declined” into “funded” — without forcing a taxable sale.
“Don’t Sell the Stock” Purchase
Client about to liquidate appreciated equities for a down payment. We finance the purchase so they avoid a forced lump-sum taxable sale — they sell on their timeline, or never.
Tax-aware · Capital-gainsRSU & Equity-Comp Qualification
Tech exec or pre-IPO employee whose comp is mostly stock. We use vesting history and equity income to qualify clients whose pay never looks “normal” to a retail underwriter.
Concentrated stock · Pre-IPOBank-Statement (Business Owners)
Entrepreneur who writes down to $65K AGI but deposits $18K/month. We qualify on actual cash flow via 12–24 months of statements — not a return that understates them.
Self-employed · 1099Jumbo, Low-Down, No PMI
Mass-affluent buyer who doesn’t want 20% tied up in dead equity. Jumbo & 80-10-10 structures up to ~90% LTV with no PMI — keeping more capital invested.
Luxury · Capital-efficientCash-Out for Liquidity Events
Client needs capital for a business, a tax bill, or a second property. Cash-out refinance to unlock home equity instead of selling assets at the wrong time.
Liquidity · Second homeRefi Readiness for the Rate Cycle
Clients who “dated the rate” at the 2023–24 peak. As rates drift toward the high-5s/low-6s, we proactively flag and execute refis — a relationship touchpoint you get credit for.
Rate-cycle · TouchpointHave a client who doesn’t fit the box? Send us the scenario — we’ll tell you the path before you make the intro.
The Mortgage Hub
Real-time loan status — so you can keep coordinating the plan.
Every Fidelity loan runs on the Mortgage Hub portal. With your client’s consent, you get read-only visibility into the same milestone tracker your client and our underwriter see — so when a closing date, a liquidity decision, or a rebalance depends on the loan, you’re working from real status, not a forwarded email.
mymortgage.fidresi.com
Williams — 47 Oak Ridge Ln
Pre-approved
Contract
Appraised
4
Underwriting
5
Clear to close
6
Funded
Conditional approval letter
Appraisal — comes in at value
Title commitment — clean
Conditions outstanding: HOA cert (requested 6/12)
-
Read-only access, with client consentYou see the same milestone tracker your client and our underwriter see — stage, conditions, projected close date. No screenshots, no forwarded emails.
-
Asset status in real timeFor asset-depletion files, track exactly what’s been verified and what’s outstanding — so you can time the liquidity decision with the plan.
-
Milestone notificationsEmail or SMS the moment we hit conditional approval, clear-to-close, or funded — the points where your client may need to move money or rebalance.
-
Conditions list, in plain EnglishEvery outstanding condition, who’s waiting on what, when it was requested. If something affects timing or the funding source, you see it the day it comes up.
-
Direct underwriter Q&A on complex filesFor asset-based, RSU, or business-owner files, your client gets a direct underwriting line — ask the structuring question before the intro, not after.
How the partnership works
You bring the client. We bring the closing. You keep the relationship.
No referral fees. No volume quotas. No exclusivity. Just a lender that performs on the hard files and hands the client back to you when the loan funds.
What you get from us
- A named senior LO for every client you introduce — not a lead-bucket
- Direct underwriting line to pre-structure asset-based and RSU files before you make the intro
- Read-only portal access (with client consent) so you can coordinate closings and liquidity events
- Quarterly rate & market briefings you can re-share with your clients
- Co-branded financing one-pagers and client-education pieces on your letterhead, free
- Same-day written acknowledgement of every referral
- We return the client to you — no cross-selling into wealth or insurance products
What we deliberately don’t do
- Pay you a referral fee — RESPA Section 8 prohibits it, and a fiduciary shouldn’t take one anyway
- Run marketing service agreements or desk rentals we can’t defend in writing
- Cross-sell your client into investment, insurance, or banking products
- Add your client to a drip-marketing list behind your back
- Churn your client to a call center after the loan funds
What clients like yours say about working with us
Reviews from the asset-rich, business-owner, and investor clients you advise.
Below are real reviews from Fidelity clients whose profiles mirror a planning book — professional investors, dual-business-owner households, and multi-property / 1031-exchange clients. Every quote is verbatim from a public review on Google or Zillow; click through to verify on the source.
23
Days average purchase close
98%
Partners send a second client
2 hrs
Pre-approval letter turnaround
Working with Robert Shamie was a dream. He and his team made the process of refinancing our mortgage so smooth and easy. And fast! He was an absolute professional and went above and beyond to make sure our loan went through.
Jason TuchmanRepeat purchase + refi client · Wayne, NJ · 5★ Zillow
Verify on Zillow
As a real estate investor I have come across many professionals. One of the most important aspects in my line of business is funding. Robert Shamie’s professionalism and ability to obtain outstanding terms surpasses many others. I highly recommend Robert and team.
Kleber BarberanProfessional Real Estate Investor · 5★ Google
Verify on Google
We’ve been in real estate for many years, having financed and refinanced dozens and dozens of properties. Robert Shamie and Fidelity Residential are among the best we’ve ever worked with — careful attention to detail, quick response times, patience in answering the many questions.
Ken MalianReal Estate Investor, Designer & Builder · Bernardsville, NJ · 5★ Zillow
Verify on Zillow
I have worked with Robert and Lindsy on many purchases and refinances over the last 15 years, and I always come back because of the competitive rates, efficient service and no-nonsense approach to getting the deals done. This time, we were in a multi-asset 1031 exchange and needed to close 2 properties in a narrow time frame. Robert provided excellent advice on how to structure the 1st purchase so that the 2nd would be able to close without any issues, and both deals were able to close early.
Jon M.Professional Real Estate Investor · Murrieta, CA · 5★ Zillow
Verify on Zillow
Robert, Lindsy and the entire team at Fidelity Residential went above and beyond. My wife and I are both business owners, which can make the home buying process more difficult. This was not the case. Robert and Lindsy told us exactly what they needed and the process was simple and straightforward. We will be doing business only with Fidelity Residential moving forward.
Sean McNicholasMotivational Speaker · Private-Money Investor · 5★ Google
Verify on Google
This is my second loan with Robert and I was very pleased. My loan situation is somewhat ‘out of the box,’ but Robert was able to provide a few scenarios to work with. We chose what best fit our needs, then Robert and Lindsy got it done.
KGA PropertyProfessional Real Estate Investor · Damascus, MD · 5★ Zillow
Verify on Zillow
Questions and answers
Questions financial planners ask about referring a client
Does my client have to sell investments to buy a home?
Not always. An asset-based loan qualifies a client on the savings, investment and retirement accounts they already hold, and the accounts are not pledged to the loan. The money for the down payment and closing costs is set aside first, so talk to us before the client sells anything.
What documents will my client need?
For an asset-based loan, recent statements for each account being counted, showing the client can get to the money. A self-employed client can instead qualify on recent bank statements rather than tax returns, and every program also checks credit and the appraisal, as on any mortgage.
Do you offer jumbo loans?
Yes. A jumbo loan is a mortgage above the conforming limit for the county, for a primary residence, a second home and, in some programs, a rental property. Full income documentation is the norm, and some programs accept bank statements or asset-based income instead.
Do you pay referral fees?
No. We never pay for referrals: paying for mortgage referrals is a RESPA Section 8 violation, so a partner who does not pay is the conflict-free choice, and one you can document cleanly on your ADV.
Can I see how my client’s loan is going?
Yes, with your client’s consent. You get read-only access to the same milestone tracker in our Mortgage Hub portal that your client and our underwriter see, including the stage, outstanding conditions and the projected close date.
Introduce yourself
Tell us about your practice and what you want in a lending partner.
A senior team member responds within one business day. We may also send you occasional emails about our loan programs; you can unsubscribe from them at any time. No thing of value flows to you for any referral.