CFCU's Asset Based Home Loan Program can help you qualify for a home loan when you are retired from the workplace but have substantial assets.

Asset Based Home Loan Program Key Features:

  • LTV/CLTV for purchase up to 70%
  • LTV/CLTV for refinance up to 60%
  • First mortgages, fixed second mortgages, and HELOCs eligible
  • 15-year and 30-year amortization available*


This program is ideal for retirees with less than two years of employment history. Financing is available for owner-occupied, non-owner occupied, second homes, 1-4 units, and PUDs.


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*Example: Based on a $250,000 purchase price with 20% down ($200,000 loan amount) and a rate of 4.125% (4.266% Annual Percentage Rate), estimated payment would be $983.88 per month. Payment does not include taxes and insurance. Actual payment may be higher. All loans are subject to approval. Terms are subject to change at any time and without notice.


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