Asset-Qualifying Loan
An asset-based income qualification program for primary, second, and investment properties that allows borrowers to use liquid assets to qualify without traditional employment income.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- -
- Documentation
- asset-depletion
- Property types
- -
- States
- most states
Highlights
- •90 days seasoning required on personal assets
- •No employment required
- •100% gift allowed for down payment and closing costs
- •Up to 55% DTI with $3,000 residual income
- •Divide extra assets by 60 for monthly income
- •Use 100% value of all accounts except retirement at 70%
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/17/2026. Not a commitment to lend. NMLS info available on request.