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Loan Program

Asset Depletion Loan Program

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Is the Asset Depletion Loan right for you?

If you are a high net worth individual and no longer have traditional W-2ed or self-employed business income this is the right loan for you. Use your assets (money in the bank) as the qualifying mechanism for the mortgage. We use a simple asset depletion calculation formula to determine the max payment and sales price you can qualify for.

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Mortgage Home Loan

Benefits of an Asset Depletion loan

  • No income documents or job needed. Use your bank statement(s) to show how much you’ve saved and qualify based on your net worth. You don’t have to withdraw any of the funds.
  • Retirement income is allowed.
  • Allowed on a primary residence, vacation home, and investment property.
  • 30-year & 40-year fixed rate terms available. 40-year term offered with interest only payment options.

Asset Depletion loan eligibility requirements

  • 660 min FICO score.
  • 10% down payment
  • No income document or job required.
  • Loan amounts up to $3 million (with 700 FICO & 30% down payment)
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Want to see our actual live rates right now?

We don’t hide our rates because it’s so rare we ever get beat! Once you’re ready to get started, go ahead and apply now or get a pre-qualification letter.

Free PreQualification Letter

(You’ll need this to make offers on homes!)

  1. Makes your offer to buy a home stronger
  2. Let home sellers know you’re serious
  3. Helps you know your affordable price range
Get PreQualification Letter

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!


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