Our Asset Utilization Program offers a flexible financing option for borrowers who have significant assets but limited traditional income. By using liquid assets such as savings, investment accounts, or retirement funds to qualify, this program provides an alternative path to mortgage approval. It’s an ideal solution for retirees, high-net-worth individuals, or anyone with strong assets looking to purchase or refinance a home.

Key Features of the Asset Utilization Loan Program:

• Min Fico of 640
• Max Loan Amount of $4M
• Up to 80% LTV
• Eligible Assets Divided by 60 Months to Determine Qualifying Income
• 3 Months Seasoning for Assets
• Gift Funds Permitted