Asset Qualifier Program

Credit scores starting at 700  |  Up to 75% LTV

Angel Oak’s Asset Qualifier Mortgage Program was created for borrowers to qualify using their liquid assets. We do not require employment, income, or DTI to justify the ability to repay the loan. This program allows for borrowers to qualify for larger loans easier!

  • Loans up to $3 million, Minimum loan of $250,000
  • No employment, no income, no DTI
  • Rates are 30-year fixed
  • 5 Years seasoning foreclosure, or bankruptcy
  • Short Sale paid as agreed no waiting
  • Primary residence, purchase or refinance
  • Interest only program available
  • Non-warrantable condos considered
  • All assets must be sourced and seasoned for a minimum of 6 months
  • Required assets: Loan amount, recurring monthly debt multiplied by 60 months, funds to close and 6 months reserves
  • Borrowers must have at least $500,000 in post-closing assets
  • Cash-out