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Asset Qualifier

Credit scores starting at 700

Up to 75% LTV

Angel Oak’s Asset Qualifier mortgage product is for borrowers to qualify using their liquid assets.  We do not require employment, income, or DTI to justify the ability to repay the loan.  This program allows for borrowers to qualify for larger loans easier!

  • 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, purchase or refinance
  • Interest only program available
  • Non-warrantable condos allowed
  • 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.

Program Videos

Program Spotlight with Kristine Estill


What is an Asset Qualifier program?
This program allows a borrower to qualify for a larger loan using their liquid assets. Employment, income or debt to income is not required to justify the ability to repay their debt.
Can a retirement account be used to qualify for a mortgage?
Assets that can be counted include retirement accounts such as IRAs, 401k, annuities and lump sum retirement distributions. Contact an Angel Oak account executive to verify if your account counts as an asset for a mortgage.
What assets are required?
We require at least $500,000 in post-closing assets, funds to close and six months reserves are a few of the requirements. An Angel Oak account executive can confirm the required assets needed to qualify.