Our Programs 

Asset Utilization

Available on Sequoia Non-QM

Qualify borrowers using their assets—liquidation of assets not required.

  • Post-Close Assets Needed to Qualify = Loan Amount + 60 Months Debt Obligations
  • Qualify Using Eligible Assets:
    • 100% of checking, savings, money market, savings bonds, and CDs
    • 80% of stocks, mutual funds, and bond funds
    • 70% of retirement assets for borrowers under 59 ½
  • Loan Amounts Up to $3.5M
  • Up to 80% Max LTV
  • Minimum required eligible assets must = $1M, 150% of the loan amount, or $400k with 60 months of total liabilities net of funds to close
  • Primary, Secondary, and Investment Properties Allowed
  • 15, 30, and 40-Year Fixed 30 and 40-Year IO Terms
Sequoia Non-QM

How It Works

Example Asset Utilization Income Calculation

If qualifying for a $1,000,000 loan, someone 60 years old with $10,000 in monthly debt obligations could qualify with $2,000,000 in retirement assets.

  • Assets Needed To Qualify
  • Use 80% of Retirement = $1,600,000
  • Loan Amount + 60 Months Debt Obligations
  • $1,000,000 loan amount + $600,000 (60 months of $10k/month debt obligations)

Price Your Scenario

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Asset Utilization Flyer
8 Ways to Qualify Flyer

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Asset Utilization FAQ

Asset utilization allows borrowers to use their assets to qualify for a mortgage loan without liquidating them.

  • Checking
  • Savings
  • Money Markets
  • Stocks
  • Bonds
  • Mutual Funds
  • Retirement Assets
  • Crypto Based Mutual Funds
  • ETFs

This option is great for high-net-worth borrowers, retirees, or self-employed borrowers who have significant assets.