Asset Utilization Loans — Let Your Wealth Work For You
Retired, semi-retired, or simply done justifying yourself to underwriters?
Bespoke Asset Amortization
High-net-worth individuals, tech professionals with extensive stock equity, and retired professionals often face roadblocks with traditional underwriters because they do not carry active W-2 incomes.
My signature **Asset Utilization Program** translates your liquid assets directly into a qualified monthly income stream. I utilize a simplified, high-impact amortization formula—dividing your total eligible assets over 60 months—to show underwriters that your cash balances are more than sufficient to cover your mortgage obligations.
Program Parameters:
Secure bespoke financing for premier residential real estate in Utah with ease.
Completely bypass traditional pay stub audits, employer checks, and tax filing requirements.
Choose from 30-year fixed and 15-year fixed mortgages, with premium interest-only options available.
Purchase up to 80% LTV, leverage cash-out refinancing up to 75% LTV, with asset seasoning of only 30 days required.
Eligible Assets & Math
Eligible Asset Classes
Checking and savings accounts, investment accounts (stocks, bonds, ETFs, mutual funds), money market accounts, and business accounts (with conditions). 100% of cash and 70% of retirement accounts (IRA, 401k) values are used.
The Math (Simple Example)
"Example: $1,200,000 in investment accounts ÷ 60 months = $20,000/month qualifying income. That's enough to qualify for most Utah purchase prices."
Who This Program Is Built For:
- Retirees with investment portfolios
- High net worth individuals between jobs
- Business owners with significant liquid assets
- Tech professionals with heavy stock portfolios
Frequently Asked Questions
How do you calculate my asset utilization income?
I take your total eligible liquid assets and divide them by 60 months. That resulting figure is used as your monthly qualifying income. For example, if you have $1.2M in eligible assets, I will count that as a whopping $20,000 in monthly income to qualify you for your purchase!
Do I have to liquidate my stock or investment accounts?
Absolutely not. Your assets remain 100% untouched and fully invested. You do not sell anything, which means you avoid triggering heavy capital gains taxes.
What credit score do I need?
I offer this private client asset depletion program to borrowers starting with credit scores at 660 FICO.
How long must my assets be in my account?
My program requires a minimal seasoning of only 30 days. As long as your assets have been verified in your eligible accounts for a month, they can be utilized.
What types of property can I finance?
This program supports primary residences, second homes, and investment purchases on single-family homes, townhomes, and warrantable condos.
Let's Keep Your Capital Working For You
Secure premium Utah real estate without liquidating your investments. Start your custom asset utilization review today.