Asset Utilization

Ideal for retired individuals, investors, and entrepreneurs

Use liquid assets to qualify your borrower for a home loan such as checking, saving, stocks, IRA, 401K, and more…

Asset Utilization
Loan Program

Use your borrowers personal and business assets to qualify them for a home loan.

  • Minimum FICO 700
  • Up to 90% LTV on Purchase and Rate & Term Refinance
  • 100% of Checking, Savings, and Money Market Accounts
  • 70% of Stocks, Bonds, and Mutual Funds
  • 70% of Retirement accounts if the borrower is over 59½
  • 60% of Retirement accounts if the borrower is under 59½
  • Eligible liquid assets are divided by 84 to calculate the monthly qualifying income.
  • Traditional DTI calculated using the qualifying income.
    Maximum DTI 43%

See product matrix for all details | Products subject to change without notice | Contact your AE for details.