Asset Utilization Loans are designed to help borrowers qualify for a mortgage using their liquid assets as monthly income. No employment or verified income stream is required. It is designed for borrowers who have at least 1.25x the loan balance in qualified assets. Eligible on loan amounts from $300k up to $2,000,000. 680 minimum FICO required. Wondering what assets will qualify? We can count 100% of savings and money market Accounts, 80% of stocks, bonds, and mutual funds, and 70% of retirement accounts (IRA, 401k, etc.). We can also count business and trust accounts, although some restrictions apply for this particular group of assets. 30 year fixed rates and 7/1 ARMs available for this program. For more information, please contact me directly.