Asset Qualifier Home Loan

Angel Oak's Asset Qualifier program allows borrowers can use their liquid assets to qualify for a mortgage.
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  • Loans up to $3 million, Minimum loan of $250,000
  • 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 six months reserves
  • Borrowers must have at least $500,000 in post-closing assets.
  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained

Angel Oak’s Asset Qualifier loan product is for borrower’s to qualify using their liquid assets. We do not require employment, income or DTI to justify ability-to-repay. We qualify based on required 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. This easy to close loan is another solution hel

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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.