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Asset Qualifier

For borrowers with assets. No employment required.

  • Loans up to $3 million with a minimum of $250,000
  • Purchase and cash-out or rate-term refinance
  • Primary residence only
  • No employment, no income, no DTI
  • Five years' seasoning foreclosure, short sale or bankruptcy
  • Rates are 30-year fixed
  • 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.

Min Fico




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 helping borrowers with their home loan needs who could not under Agency guidelines.


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.

What is the benefit to originators who use non-QM loan products?

Originators who utilize non-QM offer a service that their competition may not offer. They become an expert and go-to for the non-QM borrower. The benefit is increased referrals and business growth despite changes in the market. Continue to increase your volume each year regardless of fluctuating interest rates, tighter Agency guidelines, and a slowing refinance market.

Additional Program Options

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