HIGHLIGHTS

Qualify by dividing assets over 60, 84, or 360 months

• Up to 80% LTV - Purchase or Cash-out Refinance
• Assets seasoned for a minimum of three (3) months
• Minimum FICO 640
• Owner-Occupied, 2nd home or Investment
• Qualify with:
  • Just Assets OR Supplement One or Two Yr. Full Doc, Bank Statements, VOE, or 1099
• Liquid assets can be:
  • Cash on hand Savings and Checking Stocks, bonds, mutual funds Vested amount of retirement and money market accounts

How to Calculate Asset Utilization

• The qualified assets to be used are divided by 60 months.*
• Ex. $300,000 in qualified assets = $5,000 additional monthly income

*Based on the fixed term of the loan.