A Smarter Way to Qualify for Non-QM Mortgage Financing
Our Asset Utilization program exists to convert your eligible assets into usable qualifying income.
Salaried, Self-Employed, or Not Employed at All
Some borrowers have strong balance sheets but irregular income. Others have substantial savings or investment portfolios but no traditional job. With our Asset Utilization program, employment status is not a barrier. Borrowers can be:
- Salaried
- Self-Employed
- Not Employed
As long as you have eligible assets, we can use them to help calculate qualifying income for your Non-QM mortgage.
Combine Asset Utilization with Other Documentation Types
One of the biggest advantages of this program is its flexibility. Asset Utilization can be layered with other documentation types, including Bank Statements, P&L Only, 1099 Only, and VOE-based income.
Asset Utilization
- Converts assets into income for qualification
- Helps borrowers who have strong liquidity but limited reportable income
- Ideal for retirees, investors, and high-net-worth individuals
- Works for primary homes, second homes, and investment properties
- Pairs with other Non-QM programs
Contact us to learn more about the Asset Utilization mortgage program.
