An asset utilization loan is a mortgage program that qualifies income based on a calculation on the available liquid assets the borrower owns. This program relies on a new underwriting concept, which allows borrowers with non-traditional income streams to qualify for larger mortgages than normally allowed under traditional methods, like those used on Conventional, FHA, and VA loans.

Examples of Assets and Investments that qualify for this program: checking account balances, savings account balances, money market accounts, stocks, CDs, bonds, mutual fund accounts, retirement accounts like 401Ks and IRAs, annuities, trust funds, and hedge fund portfolios.