Asset-Qualifying Mortgage
An asset-based loan program that allows borrowers to qualify by converting liquid assets into a usable income stream, eliminating the need for traditional income or employment documentation.
Underwriting at a glance
- Minimum FICO
- 680+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 70%
- Loan amount
- -
- Documentation
- asset-depletion
- States
- most states
Highlights
- •Qualify using liquid assets instead of traditional income
- •60–84 month asset depletion calculation
- •Eligible assets include checking, savings, brokerage, and retirement accounts
- •No income or employment required
- •6–12 months reserves required
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 5/13/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.