Get a Mortgage Using Your Investments — No Job Required
Asset utilization loans turn your savings, stocks, and retirement accounts into qualifying income. If you have the assets, you can get the home.
Nate Jones · NMLS #304056 · New American Funding
An asset utilization loan lets you qualify for a mortgage using your savings, stocks, and retirement accounts instead of traditional employment income. The lender divides your total qualifying assets by the loan term to calculate monthly income — no job or pay stubs required. Nate Jones (NMLS #304056) at New American Funding offers asset utilization loans in 48 states.
Your Assets
Your Results
Monthly Qualifying Income from Assets
$5,556/mo
Max Loan Amount
$208,761
DTI Ratio
113.8%
Monthly Payment
$5,322
Depletion Period
360 mo
No income verification needed. Your $2,000,000 in liquid assets generates $5,556/mo in qualifying income using the asset depletion method.
Like What You See?
Nate can walk you through your specific numbers. Free, no credit pull.
Common Questions
What assets count toward asset utilization?
Nate answers in 90 seconds
How does the depletion method work?
Nate answers in 90 seconds
Ready to See What You Qualify For?
Free review. No credit pull. Nate responds same day.