Asset-Qualifying Mortgage
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)
- -
- Loan amount
- -
- Documentation
- asset-depletion
- 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.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.