Asset Utilization
Mortgage Loans
Your Dream Home Made Possible
We understand homeownership is a big step towards achieving The American Dream, so at Royal Business Bank, we offer the Asset Utilization (AU) Mortgage Loan. Our loan programs offer competitive rates and accommodating qualification options. Regardless of what your financial situation is now, we are willing to assist you in finding the best loan for your specific scenario.
Royal Business Bank has products designed specifically for individuals and families with unique ways for qualifying income. Contact our team to learn more about our Non-Qualified Mortgage (Non-QM) loans.
Who should choose this?
- Self-Employed Professionals & Business Owners
- Foreign Nationals
- Real Estate Investors & Investment Property Owners
- Gig Workers, Freelancers, or Consultants
- Commission or Cash Based Earners
- Individuals with Liquid Assets with Non-W2 Earnings / Limited Income
- Borrowers with Non-Traditional Credit Histories
Asset Utilization
Mortgage Loans
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Features and Benefits of Asset Utilization Home Loans
Contact Us
Looking for more information about Non-QM Loans? Please reach out to our team and we will get back to you within 2 business days.
Fast and efficient closing
Loan amount up to $3,500,000!
Available for Purchase, Refinance and Cash-out Transactions
Eligible for Primary, Second Home, and Investment Properties
No income verification needed
No Debt to Income Ratio
3/6 ARM & 5/6 ARM Loan Programs Available
Eligible for 1-4 Unit Residential Properties
Available to Foreign Nationals
© 2025 Royal Business Bank
Our Asset Utilization Mortgage Loans may be an excellent option for:
Minimum FICO 680
Loan amount up to
$3.5 MILLION!
Loan qualification is dependent upon satisfactory verification and evaluation of the applicant's information. Not all credit applications will qualify. Subject to credit approval and acceptable collateral. For loan applicants requesting cash-out, or do not have a FICO score, or have no credit history: 6 to 36 months of the requested loan amount’s principal and interest payments are required for deposit into a 25-month Certificate of Deposit (CD). For all other loan applicants: 6 to 36 months of the requested loan amount’s principal and interest payments are required for deposit into a 13-month CD. An early withdrawal / closure will result in a 13-month CD term to be assessed an early withdrawal penalty of 13 months' simple interest and a 25-month CD term will be assessed an early withdrawal penalty of 25 months' simple interest.
65% Max LTV
NMLS #835654