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Qualify using your assets

No employment income required

Built for high-net-worth borrowers

Turn assets into qualifying income

Key Highlights

The Benefits

Income Beyond Employment

Qualify using eligible assets.

Preserve Investment Strategy

Avoid unnecessary asset liquidation.

Flexible Qualification

Designed for asset-rich borrowers.

What's Required

Eligible Liquid Assets

Qualifying assets must be verified.

Asset Documentation

Financial statements are required.

A Detailed Review

Assets and eligibility are evaluated.

The Ins & Outs

How it Works

An Asset Utilization loan is designed for borrowers with significant liquid assets who may not have traditional employment income. Instead of qualifying with pay stubs or tax returns, eligible assets are used to calculate qualifying income for a Non-QM mortgage. These programs are ideal for retirees, investors, and high-net-worth individuals purchasing a primary residence, second home, or investment property.

Example Scenario

A retired investor has $2.5 million in investment accounts but little monthly employment income. An Asset Utilization loan may allow eligible assets to be converted into qualifying income for mortgage approval.

Questions? We've got answers.

What is an Asset Utilization loan?

An Asset Utilization loan is a Non-QM mortgage that allows eligible borrowers to qualify using liquid assets instead of traditional employment income.

Who is an Asset Utilization loan designed for?

These programs are designed for retirees, investors, and high-net-worth borrowers with substantial assets but limited reportable income.

Are Asset Utilization loan interest rates higher?

Asset Utilization loan rates are often higher than conventional loans because they offer greater qualification flexibility. Rates vary based on your financial profile and the loan program.

Can I refinance an Asset Utilization loan later?

Yes. Many borrowers refinance into another loan program as their financial goals or income situation changes.

How much can I borrow?

Many Asset Utilization loan programs offer loan amounts above conventional lending limits. Your maximum loan amount depends on your eligible assets, the property, and the lender's guidelines.
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