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Turn Your Assets Into Buying Power
Asset Utilization Loans – Up to 90% LTV
If you have significant assets but non-traditional income, our Asset Utilization Loan Program lets you use your savings, investments, and liquid assets to qualify. We average your assets over 60 or 84 months to calculate income — no job or tax returns required. With loan amounts up to $4 million, LTVs up to 90%, and credit scores from 660, this is the perfect solution for high-net-worth borrowers who want maximum flexibility.
FAQs
Do I need a job to qualify?
No — qualification is based on your verified assets, not employment or traditional income.
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What types of assets count?
Savings accounts, checking accounts, investment portfolios, retirement accounts, and other verifiable liquid assets.
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Are interest-only options available?
Yes, interest-only terms are available to help manage cash flow.
Why This Program Works for High-Asset Borrowers
Many financially stable clients don’t have traditional monthly income — retirees, entrepreneurs, and investors often rely on stored wealth. Traditional lenders ignore these assets when calculating qualification. We do the opposite: we make your assets the foundation of approval.
A Smarter Way to Finance Without a Pay Stub
This program opens the door to real estate purchases and refinances for clients who have substantial savings but no conventional income stream. Whether you’re buying a primary home, vacation property, or investment real estate, your assets can work harder for you — without liquidating them.