Let Your Assets Work for You
Asset depletion loans calculate a hypothetical monthly income based on your liquid assets divided over a set period. This allows borrowers with substantial savings but limited traditional income to qualify for a mortgage without employment verification.
680+
Min. Credit Score
20%+
Down Payment
Varies
Min. Assets
12+ Mo.
Reserves
Key Features
Qualify without a job or traditional employment income. Your assets serve as the basis for qualification.
Total eligible assets are divided over the loan term (typically 360 months) to derive a qualifying monthly income.
Use checking, savings, investment accounts, retirement funds, and other liquid assets to qualify.
Finance high-value properties based on the strength of your asset portfolio.
Available for primary residences, second homes, and investment properties.
Fixed and adjustable rate options with terms designed for asset-rich borrowers.
Requirements
Perfect Match
How It Works
From application to closing, we make the mortgage process straightforward and stress-free.
Complete our simple online application in minutes. No commitment required.
Receive your pre-approval within 24-48 hours with competitive rate options.
Choose the best rate and terms that fit your financial goals.
We handle the paperwork and guide you through a smooth closing.
Let our experienced team help you find the perfect loan solution. Apply today and get pre-approved in as little as 24 hours.
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