Leverage Your Assets to Secure a Mortgage

Traditional mortgage loans require proof of employment and income, but what if your financial strength lies in your assets rather than monthly paychecks? The Asset Depletion Loan Program is designed for high-net-worth individuals, retirees, and self-employed borrowers who want to use their savings and investments to qualify for a mortgage.

What Is an Asset Depletion Loan?

An Asset Depletion Loan allows borrowers to use their liquid assets—such as savings accounts, investments, and retirement funds—to establish their ability to repay a mortgage. Instead of relying on income statements, lenders evaluate a portion of your assets as qualifying income.

How Asset Depletion Works

Lenders calculate your monthly income by dividing eligible assets over a fixed term (usually 60 months). This gives an equivalent income figure for loan qualification.

Examples of Asset Depletion Loan Calculation:

Retired Borrower

• A retired individual has $1,000,000 in a savings and investment account.
• The lender applies a 70% eligibility factor, meaning $700,000 qualifies.
• This amount is divided over 60 months, resulting in a calculated monthly income of $11,667.
• Based on this figure, the borrower can qualify for a mortgage without traditional employment income.

Benefits of Asset Depletion Loans

✔ No Employment or Tax Returns Required
✔ Ideal for Retirees & High-Net-Worth Individuals
✔ Utilizes Savings, Investments, & Retirement Accounts
✔ Flexible Loan Qualification Without Traditional Income

Who Qualifies?

✅ Retirees with Substantial Savings
✅ Self-Employed Individuals with Limited Documentable Income
✅ Business Owners & Investors
✅ High-Net-Worth Borrowers Seeking Alternative Loan Solutions

Get Started Today

If your financial strength lies in your assets, an Asset Depletion Loan could be the perfect solution. Contact us today to explore options.