Asset Utilization Loan Program

Getting the most with Asset Utilization


We know that your needs are dynamic, and at Quintessential Mortgage Group we make sure to accommodate those who are retired, self-employed, or have found innovative ways to live off of various investments.

We do our research to help all our borrowers, especially our non-traditional borrowers, achieve their goals. The asset utilization loan program is unique in what it can offer. This program relies on a new underwriting concept, which allows borrowers with non-traditional income streams to qualify for larger mortgages than would normally be allowed under traditional underwriting methods, like those used for FHA loans, or Fannie Mae or Freddie Mac loans.

Program overview


The Asset Utilization Loan Program considers a borrower’s total landscape of assets. This loan calculates what an annual predicted return would yield on investment property and adds that total to the borrower’s annual income. This provides more liquidity and opportunity for bigger mortgages than their income returns would normally allow. Qualifying assets and investments for this program include checking account balances, savings account balances, money market accounts, stocks, CDs, bonds, mutual fund accounts, retirement accounts like 401Ks and IRAs, annuities, trust funds, and hedge fund portfolios. The program even takes into consideration the cash-out value of insurance policies.

We’ve found that this innovative mortgage concept provides a wider range of mortgage products to higher-net-worth borrowers. If you have any questions, please contact our staff of highly skilled loan professionals.

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