Asset Qualification Loan Program Highlights
  • Qualify based on verified liquid assets
  • No employment | No income | No DTI | No 4506T
  • Usable assets: 100% checking & savings, 90% stocks, bonds & mutual funds,
    80% retirement funds
  • Loan amounts up to $3MM | Cash out up to $2.5MM
  • Short-term rental properties allowed
  • Only 1 appraisal required when loan amount is ≤ $1.5MM (LTV ≤ 75%)
  • Multiple term options:
    • ARM*: 5/1, 7/1, 10/1
    • Fixed: 15, 30
  • Property types: SFRs, PUDs, Condos, 1-4 Units
  • Credit scores as low as 600**

All states (including DC) are eligible except DE, ME, MA, WY.
A borrower with a 25% or greater ownership interest in a business is considered self-employed.
*Interest only available on all ARMs. No I/O in Illinois.
**Not available in Premier.

Non-QM Asset Qualification Program Sticker

Asset Qualification Guidelines

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