Asset Qualifier Home Loan

Angel Oak's Asset Qualifier program allows borrowers can use their liquid assets to qualify for a mortgage.
      
  • Loans up to $4 million, Minimum loan of $150,000
  • No employment, no income, no DTI
  • Rates are 30-year fixed
  • Five years seasoning foreclosure, short sale or bankruptcy
  • Primary residence only
  • Purchase and cash-out or rate-term refinance
  • Interest only program available
  • All assets must be sourced and seasoned for a minimum of six months
  • Required assets: Loan amount, recurring monthly debt multiplied by 60 months, funds to close and three months reserves
  • Borrowers must have at least $500,000 in post-closing assets.

Angel Oak’s Asset Qualifier loan product allows to qualify using their liquid assets. We do not require employment, income or DTI to justify ability-to-repay. We qualify based on assets that meet seasoning requirements. We have helped retirees, underserved self-employed, divorced with no income, and other borrowers with required seasoned assets to purchase or refinance.

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Product FAQ

General FAQ

What Assets Can Be Used To Qualify For This Loan Program?
Borrowers can use bank accounts such as checking and savings, retirement, and investment accounts such as stocks or mutual funds.
Are Any Assets Required After Closing?
Yes. The buyer must have at least $500,000 in post-closing assets.
Does The Asset Qualifier Program Require Employment Or Retirement Status?
There is no requirement to be currently employed or retired. This loan is solely based on using assets to qualify and no income or employment verification is required.