The Asset Income Program is tailored specifically for high-net-worth individuals with significant liquid assets whose cashflow scenarios make it difficult to qualify for traditional mortgages.

Asset Income Program

  • The Asset Income Program uses a term of 84 months to calculate income (no age minimum)
  • Owner-Occupied, Second Home and Investment
  • Purchase, Rate/Term Refinance and Cash-Out Refinance transactions
  • No Non-Owner
  • FICO
    • Purchase or Rate/Term Refinance: 700
    • Cash-Out Refinance: 720
  • Non-Owner: 720 LTV up to 75%
  • Loan amounts up to $3,500,000
  • Max DTI 45%
  • I/O available

Contact a home loan specialist today to see how
we can best meet your needs.


Not all applicants will qualify. Some products offered by Banc of California include modified documentation requirements and may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve and other requirements apply. Contact your Loan Officer for additional program guidelines, restrictions and eligibility requirements.
Rates, points, APRs and programs are subject to change at any time until locked in.