Income types

Asset utilization loans.

Borrowers with liquid assets and little or irregular income, such as retirees and investors.
Send a scenarioPrograms and matricesGuidelines PDF(opens in a new tab)Get pricing

8 cakes take asset utilization.

Every cake with a published matrix for this income type, largest loan first. Open one for its limits and matrix.

What the file needs.

Read the published guidelines for the documentation rules and program requirements.

Read the guidelines (PDF, opens in a new tab)

Check a scenario.

Enter your credit score, LTV or CLTV, and loan amount to find programs to review. Confirm your exact combination in the matrix.

Income or loan type

8 programs to review

These programs meet separate published ranges. Score, LTV and loan amount limits may not apply together. Check the matrix for your exact combination, purpose and property.

10 counting their Lite and Investor versions

  • Coffee Cake Lite620+ · 90% LTV · $4MOpen matrix PDF
  • Pound Cake Lite660+ · 85% LTV · $3MOpen matrix PDF
  • Cup Cakealso Investor620+ · 80% LTV · $3MView matrices
  • Sponge Cakealso Lite620+ · 80% LTV · $3MView matrices
  • Bundt Cake660+ · 80% LTV · $3MOpen matrix PDF
  • Cheese Cake660+ · 80% LTV · $3MOpen matrix PDF
  • Funnel Cake660+ · 80% LTV · $3MOpen matrix PDF
  • Velvet Cake660+ · 80% LTV · $3MOpen matrix PDF
Price it with an AEAsset utilization: every cake

Confirm eligibility with the matrix and guidelines before quoting or submitting a file.

Other ways to document income

Have one of these files?

Talk it through with an account executive at (833) 717-0401 before you submit, or apply to become a partner and submit in TPO Connect.

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