Asset Utilization Mortgage
Your wealth should work for you — even when it's not a paycheck
Qualify based on your liquid assets like cash, stocks, or bonds. No traditional income documents required. Available for purchase, refinance, and cash-out transactions up to $3.5 million.
$3.5M
Maximum loan amount
65%
Max LTV
0
Income documents needed
1–4
Unit residential properties
Loan Features
Everything you need to qualify on your terms
*It requires reserving 12 or 24 months of principal and interest in a 13 or 25-month term Certificate of Deposit (CD). An early withdrawal penalty will be assessed. Terms and conditions apply. Subject to credit approval.
- Fast processing time
- Adjustable rate available
- No income documents needed
- No FICO / no credit history options available
- Available for purchase, refinance, and cash-out
- Primary, second home, and investment properties eligible
- 1–4 unit residential properties eligible
- Available to foreign nationals
- Loan amounts up to $3.5 million
- 65% maximum LTV
Why Brooks Mortgage
We help you qualify based on what you have, not just what you earn
We take the time to understand your full financial picture and guide you through every step — so you always know what's next.
No Traditional Income Required
Qualify based on your liquid assets instead of W-2s, paystubs, or tax returns. Your savings, investments, and holdings count.
Personalized Support
We take the time to understand your situation and guide you through every step of the process.
Decisions Made With Clarity
Our team keeps you in the loop at every stage, so you always know what's next and what to expect.
Who It's For
Is an Asset Utilization Mortgage right for you?
01
Retirees
Retirement doesn't need to limit your financing options. With healthy savings or investments, you can qualify for a mortgage without relying on employment income.
02
Serial Entrepreneurs
For founders and business owners with variable or complex income, asset-based lending offers a clear, straightforward path to home financing.
03
Foreign Nationals
If your assets are held in the U.S., you can use them to qualify for a mortgage — no U.S. income or tax documents required.
Frequently Asked Questions
Common questions about Asset Utilization Mortgages
Ready to put your assets to work?
No income documents. No W-2s. Just your assets — and a team that knows how to use them. Talk to our team today.
Personalized for you
Get Your Personalized Mortgage Rate
Every borrower is different. Tell us about your scenario and we'll compare programs and rates tailored to you — no obligation.
- Compare multiple loan programs side by side
- Review interest rate, APR, points, and monthly payment
- Speak directly with an experienced mortgage broker
Specialized programs available