Asset-Qualifying Mortgage
An income qualification program that allows borrowers to use eligible assets as a form of income for loan approval.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- asset-depletion, alt-doc
- States
- most states
Highlights
- •Allows use of eligible assets as income for qualification
- •Qualify based on liquid assets instead of employment income
- •100% of checking, savings, and money market accounts included
- •80% of publicly traded stocks and bonds included
- •Vested retirement accounts eligible at 60% or 70% based on age
- •CDs eligible at 100% of pre-maturity surrender value
- •Requires 3 months of asset seasoning
- •Assets must be seasoned for three consecutive months
- •Leverage stocks, bonds, mutual funds, and retirement accounts
- •Increase purchasing power without liquidating investments
- •Use assets as stand-alone income source
- •Combine with W-2 or bank statement income
- •Ideal for retirees and high-net-worth clients
- •Eliminates need for gift funds or co-signers
- •Combine assets with W-2 or alternative income documentation
- •Ideal for retirees and high net worth borrowers
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 7/7/2026. 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.