Asset-Qualifying Mortgage
Income qualification program based on IRA account balances calculated over 36 months with no age or distribution history requirements.
Underwriting at a glance
- Minimum FICO
- 750+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- asset-depletion, alt-doc
- States
- most states
Highlights
- •No age restrictions
- •No distribution history required
- •Income calculated as IRA balance divided by 36 months
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 5/26/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.