A Smart Mortgage Solution for High-Net-Worth Borrowers

Are you self-employed, a retiree, or an entrepreneur with substantial assets but low or irregular income? If so, you may struggle to qualify for a traditional mortgage—even if you have plenty of money in the bank.

That’s where the Sacramento Asset Utilization Loan comes in. This unique mortgage lets you use your assets instead of income to qualify for a home loan.

No W-2s? No problem. If you have cash, investments, or retirement funds, you can get approved for a mortgage based on your assets alone.

Let’s explore how this loan works and why it’s a game-changer for high-net-worth borrowers.

What Is a Sacramento Asset Utilization Loan?

A Sacramento Asset Utilization Loan is a mortgage designed for borrowers who have significant assets but don’t have traditional, steady income sources. Instead of using W-2s or tax returns, lenders calculate your ability to repay the loan based on your assets.

It’s an ideal solution for:
✅ Self-employed business owners with fluctuating income
✅ Retirees living off savings and investments
✅ Entrepreneurs reinvesting profits into their businesses
✅ Investors who rely on dividends and capital gains
✅ High-net-worth individuals who have liquid assets but limited taxable income

If you have money in checking, savings, stocks, or retirement accounts, you may qualify—even if you don’t have a steady paycheck.

Who Qualifies for a Sacramento Asset Utilization Loan?

To be eligible, you need:

🔹 Minimum FICO score of 620
🔹 Qualifying assets divided by 60 months
🔹 Loan amounts up to $4 million
🔹 Debt-to-income (DTI) ratio up to 55%
🔹 Minimum 3 months of reserves

Unlike traditional loans, this program doesn’t require tax returns, W-2s, or pay stubs—just proof of your assets.

Why Choose a Sacramento Asset Utilization Loan?

This loan offers flexibility and convenience for high-net-worth borrowers:

✔️ No Income Verification Required – You qualify using assets, not employment income.
✔️ Loan Amounts Up to $4 Million – Great for luxury homebuyers.
✔️ Flexible Property Types – Buy a primary home, second home, or investment property.
✔️ Up to 80% CLTV – Less money down compared to other asset-based loans.
✔️ Cash-Out Refinance Available – Access up to $1 million from your assets.
✔️ Interest-Only Options – Keep monthly payments low for the first 10 years.

If you’re an entrepreneur, investor, or retiree, this mortgage allows you to leverage your wealth without worrying about taxable income requirements.

How Are Assets Calculated for Mortgage Approval?

Lenders use your liquid assets to determine your ability to make mortgage payments. Here’s how it works:

📌 100% of checking and savings accounts count toward eligibility
📌 100% of stocks, bonds, and public securities
📌 70% of retirement assets (401(k), IRA, etc.)

Your total qualifying assets are divided by 60 months, creating a monthly “income” for mortgage approval.

For example:
💰 $1,500,000 in eligible assets ÷ 60 months = $25,000/month qualifying income

This means you can qualify for a loan based on your assets alone—no job required.

Gift Funds & Down Payment Requirements

💰 Gift funds allowed—but borrowers must contribute at least 20% from their own funds if CLTV is 80% or lower.
💰 Gift funds NOT allowed for CLTV above 80%.

This provides flexibility while ensuring borrowers have “skin in the game.”

How to Qualify for a Sacramento Asset Utilization Loan

Here’s what you need to do:

1️⃣ Check your credit score – 620+ preferred.
2️⃣ Gather proof of assets – Checking, savings, stocks, bonds, retirement accounts.
3️⃣ Ensure at least 3 months of reserves in liquid assets.
4️⃣ Calculate your qualifying income (total assets ÷ 60 months).
5️⃣ Apply online HERE to get preapproved.