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Asset Depletion Loan Programs: Qualifying for a Mortgage Using Wealth

Securing a premium home loan can be incredibly challenging if your income does not fit into a traditional W-2 or business profit box. High-net-worth investors, recently retired professionals, and individuals with significant liquid wealth often show minimal taxable monthly income. Traditional underwriting guidelines will routinely reject these files because they look for consistent paystubs rather than overall net worth.

Our Asset Depletion Loan Programs offer an elite alternative. Instead of requiring traditional employment income or corporate tax returns, we convert your verified liquid assets into a qualifying monthly income stream to establish your true borrowing power.orem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.



What is an Asset Depletion Mortgage

An asset depletion mortgage (sometimes called an asset dissipation loan) is a specialized Non-QM program designed for affluent borrowers with substantial liquid reserves. Rather than checking employer histories, underwriters use a standardized formula to divide your eligible liquid assets over a specific timeline (typically 84 to 360 months). The resulting dollar amount is treated exactly like a monthly salary on your mortgage application. Your assets are never actually seized, liquidated, or frozen; they simply serve as the baseline math to prove your ability to repay.

Program Highlights and Benefits

  • No Employment Verification Required: Perfect for retirees, trust fund beneficiaries, and entrepreneurs between ventures.
  • Keep Your Portfolios Intact: Qualify using your wealth without being forced to liquidate stocks, crypto, or mutual funds.
  • Flexible Asset Mapping: We utilize checking accounts, savings, money markets, stocks, bonds, and vested retirement accounts.
  • Massive Capital Access: Secure high-balance luxury financing options reaching up to $5M+ for premier properties.
  • Primary or Investment Use: Available for luxury primary residences, vacation homes, or expanding real estate portfolios.

General Eligibility Requirements

While asset depletion bypasses traditional income paperwork, it carries strict asset verification and profile benchmarks:

  • Eligible Asset Types: Funds must be completely liquid and accessible without penalty. Checking, savings, stocks, and bonds qualify immediately. Vested retirement accounts (401k/IRA) qualify if the borrower meets withdrawal age requirements or accepts standard discount adjustments.
  • Ineligible Assets: Real estate equity, privately held business stock, physical commodities (like gold in a safe), and unvested stock options cannot be used.
  • Credit Profile: A minimum credit score of 660 is generally required, with optimal pricing tiers unlocking at 700+.
  • Down Payment Minimums: Expect a down payment requirement ranging between 10% and 30%, depending on the size of the loan and your credit score.

Frequently Asked Questions

Do I have to spend down my assets during the loan term?
No. "Depletion" is purely an underwriting calculation term. The lender does not control, freeze, or draw from your accounts. You retain complete control over your investments and cash management.
Can I combine asset depletion with regular income?
Absolutely. If you receive a small pension, partial W-2 income, or social security, we can use asset depletion as a supplemental source to bridge the gap and lower your debt-to-income (DTI) ratio.
Are foreign assets allowed for qualification?
Yes, provided the funds are transferred into a US-based financial institution and verified prior to the underwriting review process.


Call to find the right program for you! (813) 498-1616