ATR-IN FULL PROGRAM
Flexible mortgage qualification using eligible financial assets, designed for borrowers with substantial assets and limited traditional income documentation.
Program Overview
The ATR-IN FULL (Ability-to-Repay in Full) Program allows qualified borrowers to use eligible financial assets as part of their mortgage qualification rather than relying solely on traditional income documentation. Designed for borrowers with substantial assets but limited verifiable income, this program provides alternative qualification options using eligible accounts, investments, retirement funds, and other qualifying assets. Eligible assets equal to 110% of the purchase price are specified for ATR-IN FULL qualification, subject to program guidelines and underwriting approval.
Program Features
Flexible mortgage qualification using eligible financial assets
Profit-and-loss statement-only and 1099-only income documentation options
Multiple income sources may be considered during qualification
Eligible financial assets may supplement qualifying income
Checking, savings, and investment accounts accepted
Retirement accounts and annuities may be considered
Cash value of life insurance may qualify as an eligible asset
Business assets may be eligible with 100% ownership
Multiple bank accounts accepted, subject to restrictions
Eligible assets equal to 110% of the purchase price for ATR-IN FULL qualification
Why Choose This Program?
Offers an alternative qualification pathway for borrowers with substantial financial assets
Reduces reliance on traditional income documentation by considering eligible assets
Provides flexibility through multiple eligible asset and income documentation options
May accommodate borrowers with limited verifiable income but significant financial resources
Allows eligible savings, investments, retirement accounts, and other qualifying assets to be considered
Helps borrowers explore mortgage qualification beyond conventional income-based methods
Who This Program Is Great For?
Borrowers with substantial financial assets but limited verifiable income
Individuals with significant savings or investment portfolios
Borrowers who may qualify using eligible retirement accounts or annuities
Self-employed borrowers exploring profit-and-loss or 1099 income documentation options
Business owners with eligible assets and 100% business ownership
Borrowers with multiple income sources or financial accounts seeking flexible qualification options
Download Loan Program
Preview the ATR-IN FULL Program sheet and download the full program details, including qualification highlights, eligible asset options, and program features.
Co-Brand Loan Program
Access the co-branded ATR-IN FULL Program marketing material to share with your clients and referral partners.
Need Help Structuring an ATR-IN FULL Loan?
Connect with a loan officer to review your financial assets, discuss qualification requirements, and explore whether the ATR-IN FULL Program is the right financing solution for your scenario.
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