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Loan Program

Asset Depletion Mortgage Loans

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Who is this loan right for?

Asset Depletion Mortgage Loans serve borrowers with significant liquid assets (investments, savings, retirement accounts) but limited income documentation.

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Mortgage Loan

Benefits of this loan program

  • Qualifies borrowers based on asset value rather than traditional income.
  • Useful for affluent retirees or asset‑rich, income‑light applicants.
  • Can often secure competitive rates without W‑2 income.

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General eligibility requirements

  • Verifiable liquid assets sufficient to support payment calculation.
  • Acceptable credit score.
  • Asset statements (investment and cash accounts).
  • Reserves may be required beyond down payment.

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Get started by using one of our FREE tools!

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

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FHA

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VA

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Jumbo

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Renovation

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USDA

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DSCR Investor Loans

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Commercial

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Non QM

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Reverse

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Divorce Lending

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1099

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P&L

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Bank Statement

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Self‑Employed

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Foreign National

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Asset Depletion

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Asset Utilization

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