Who is this loan right for?
Asset Utilization Mortgage Loans are perfect for borrowers with significant investments or assets but lower reported income. This program lets you leverage high‑value assets (e.g., securities, investment accounts) to qualify for a mortgage.
Benefits of this loan program
- Leverages assets: Uses investment value to support loan approval.
- Flexible qualification: Great for high net‑worth individuals.
- Supports larger loans: Often paired with jumbo or high‑balance mortgages.
General eligibility requirements
- Documentation of asset ownership and account statements.
- Calculation of asset contribution per lender guidelines.
- Minimum acceptable credit score (typically around 620+).
- Documentation supporting ability to liquidate or use assets if needed.
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