Asset Utilization Loans

Use your assets to qualify when income alone doesn’t tell the whole story.

If most of your money is in investments or retirement accounts instead of a paycheck, you may still qualify for a mortgage using an asset utilization program. These loans are designed for retirees, high-net-worth individuals, and self-employed borrowers who have strong assets but may not show steady monthly income. Instead of using pay stubs or tax returns, lenders calculate your income based on the value of your assets.

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Asset Utilization Loans Are Good For:

Asset utilization loans are ideal for borrowers with significant savings or investments who want to qualify without relying on traditional income. This includes retirees, business owners, and investors who may not have W-2 income but have enough assets to support the loan.

Asset Utilization Loan Details

Loan Type Basics +

Asset utilization loans are considered non-QM (non-qualified mortgage) loans. Lenders look at your total eligible assets and divide them over a set period to calculate a qualifying monthly income. This replaces the need for standard income documentation.

Down Payment and Credit Requirements +

Asset utilization loans often require higher credit scores and a larger down payment, usually starting at 20 percent. Interest rates may vary depending on loan size, asset type, and borrower profile.

Choosing the Right Fit +

If you’ve built up strong assets but don’t show much income on paper, this could be the right program for you. A loan officer can help review your asset mix, calculate qualifying income, and compare this option to others available.

Not the Loan You Were Looking For?

Secure Your Asset Utilization Loan at One of Our Branches

You have worked hard to build your financial portfolio. Let it work for you. If you are ready to buy or refinance and want to qualify based on your assets, our team is here to help. Talk to a local loan officer today and explore how asset utilization can open the door to your next home.

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