Non-QM

Asset utilization

Convert eligible assets into a qualifying income figure when you live on investments rather than a salary.

Assets as income
Retirement and brokerage overlays
Purchase or refinance

Who it is for

Retirees and high-asset borrowers whose cash flow is from portfolios, not a job.

Asset utilization is a formula: eligible assets, divided by a term, after haircuts. It is designed for people who can afford the home but do not show W-2 income. We will not pretend a concentrated or illiquid account is the same as cash.

Questions

Which assets count?: Cash, securities, and some retirement accounts, each with a different haircut. We inventory accounts before we quote a loan amount.

Related programs

No-ratio
Asset- or credit-focused executions that do not use a traditional DTI ratio.
Jumbo
Financing above conforming loan limits for higher-value primary homes, second homes, and select investments.

Ready to structure a file that can actually close?

Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.

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