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Loan Program

Asset Utilization Mortgage Loans

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Who is this loan right for?

Asset Utilization Loans are for borrowers whose income may not meet standard underwriting but whose significant assets suggest strong repayment capacity.

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Mortgage Loan

Benefits of this loan program

  • Uses assets to replace or supplement traditional income.
  • Helpful for clients with large holdings but low reported income.
  • Can increase borrowing power relative to income‑only underwriting.

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General eligibility requirements

  • Documentation of liquid and investable assets.
  • Minimum credit score.
  • Asset documentation for conversion into qualifying income.
  • Down payment and reserves based on program.

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Get started by using one of our FREE tools!

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

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FHA

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VA

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Jumbo

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Renovation

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USDA

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DSCR Investor Loans

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Commercial

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Non QM

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Reverse

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Divorce Lending

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1099

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P&L

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Bank Statement

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Self‑Employed

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Foreign National

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Asset Depletion

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Asset Utilization

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