Asset Depletion Loans
If you have substantial savings, investments, retirement accounts, or other liquid assets, you may be able to qualify for a mortgage without relying on W-2 income, pay stubs, or tax returns.
Asset Depletion Loans are designed for retirees, high-net-worth individuals, investors, and borrowers whose wealth may not be reflected in traditional income documentation.
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Asset Depletion Loan: Program Highlights & Borrower Benefits
Our Asset Depletion Loan program allows eligible borrowers to qualify based on their available assets, providing an alternative pathway to homeownership or refinancing without traditional income documentation.
Program Features
Loan Amounts: Up to $3,000,000 (varies by assets and loan-to-value)
Qualification Method: Asset depletion/asset utilization calculation
Eligible Assets: Cash, brokerage accounts, retirement funds, vested investment accounts
Loan purpose: Purchases and Refinances available
Min Credit Score: 660+ (720+ preferred for better terms)
Property Types: Single-family residence, condo, 1-4 units
Income Documentation: No traditional income documents required; instead, we look at stocks, bonds, retirement funds, 401K, Life insurance cash-value, crypto, and all other types of liquid assets.
Occupancy: Owner-occupied, second home, and select investment scenarios
Down Payment: Starting at 20%
Reserves: 6–12 months depending on loan size and risk profile
No tax returns required. No employment income required. Qualification based on your assets — not monthly paychecks.
This program rewards financially strong borrowers who have accumulated wealth and want financing without traditional income documentation.
Program Highlights
Loan Amounts: Up to $3,000,000 (varies by assets and loan-to-value)
Loan purpose: Purchases and Refinances available
Down Payment: Starting at 20%
Income Documentation: No traditional income documents required; instead, we look at stocks, bonds, retirement funds, 401K, Life insurance cash-value, crypto, and all other types of liquid assets.
Qualification Method: Asset depletion/asset utilization calculation
Property Types: Single-family residence, condo, 1-4 units
Reserves: 6–12 months depending on loan size and risk profile
No tax returns required. No employment income required. Qualification based on your assets — not monthly paychecks.
This program rewards financially strong borrowers who have accumulated wealth and want financing without traditional income documentation.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Financing Designed Around Your Full Financial Picture
Whether you’re retired, living off investments, transitioning careers, or simply have significant assets, our team specializes in helping borrowers navigate the asset depletion qualification process. We work closely with you to present your financial profile clearly and help identify the loan program that best supports your goals.
Is an Asset Depletion Loan Right for You?
Investors seeking alternative qualification methods
If your assets tell a stronger story than your tax returns, this program works in your favor.
You built the wealth. Now let it qualify you.
We are the Alternative Mortgage Financing Experts.
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