First Horizon | Asset Program

Asset Based Lending Product
Available in the following states: AL, AR, CT, FL, GA, LA, NJ1, NY 2, NC, SC, TN, TX

  • Minimum of $1,000,000 in post closed liquidity (PCL) (adjusted assets available after closing in reserves)
  • Minimum 700 middle credit score from all borrowers required.
  • Qualifies using 2 times all US Debt available in post closed liquidity
  • Only assets held personally are eligible
    • 80% of retirement accounts if 59 1/2 or older
    • 60% of retirement accounts if less than 59 1/2
    • 100% of checking/savings/brokerage/time deposits/cash value life insurance
  • Primary Residence
    Percent Down Loan Amounts up to
    20% $2,000,000
    25% $3,000,000
  • Secondary Residence
    Percent Down Loan Amounts up to
    25% $2,000,000
    35% $3,000,000
  • Greater loan amounts available case by case
  • 3/6, 5/6, 7/6, 10/6 ARMs available
BMO Contact Form







Disclaimer: The postings on this site do not represent these banks' positions, strategies, or opinions. Programs are available only to qualified borrowers. Subject to credit approval, underwriting approval, and lender terms and conditions. Loan programs are subject to change without notice. Restrictions may apply.


  1. New Jersey is limited to Bergen, Essex, Hudson, Monmouth, Morris, Ocean, and Union counties
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  2. New York is limited to Bronx, Kings (Brooklyn), Nassau, New York (Manhattan), Queens, Richmond (Staten Island), Suffolk and Westchester counties
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