Asset Qualifier Home Loan | No employment or income required

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, cash-out or rate-term refinance, & delayed financing options
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.

Contact a Loan Officer

Property State

Loan Purpose

PurchaseRefinance

Are You Self-Employed?

Yes

Residence Type

Primary ResidenceSecond Home / Investment Property

Credit Score

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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.

Angel Oak Mortgage Solutions LLC – NMLS ID #1160240 (NMLS Consumer Access). Licensed in AL #21875, AZ #0926930, AK #110480, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License #4131346. Loans made or arranged pursuant to a California Financing Law License CFL License #60DBO71208, CO Regulated by the Division of Real Estate, CN #ML-1160240, DE #019971, DC #MLB1160240, FL, GA #41747, HI # HI-1160240, ID # MBL-2081160240, IL Residential Mortgage Licensee # MB.6761065, IN #24466, IA #2014-0070, KS MC.0025339, KY #MC292246, LA, ME #1160240, MD #21260, MI #FL0020868, MN #MN-MO-1160240, MS #1160240, MO #19-2400, MT #1160240, NE, NV #4450, NH #22446-MB, Licensed by the N.J. Department of Banking and Insurance, NM, NC #L-163234, ND #MB103396, OH #RM.501891.000, OK #ML011190, OR #ML-5316, PA #56598, RI #20173431LL, SC #MLS-1160240, SD #ML.05224, TN #118878, TX, UT, VA #MC-5830, WA #CL-1160240, WV #ML-36451, WI #1160240BA, WY #3229.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.Angel Oak, Angel Oak Mortgage Solutions and the tree design are trademarks owned or registered by Angel Oak Companies, LP in the U.S.