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Use Assets, Not Income, to Qualify for Your Next Home
Smart Mortgage Solutions for High-Asset Borrowers
Our Asset Depletion Loan Program offers a smarter way to qualify for a mortgage without relying on traditional income documentation. Instead of using W-2s, pay stubs, or tax returns, this program calculates your qualifying income based on your verified assets — allowing you to leverage your financial strength while keeping your assets growing. With loan amounts up to $4M and up to 90% LTV, this is the perfect solution for buyers with significant assets but complex or unconventional income situations.
FAQs
What is the maximum loan amount?
Up to $4 million.
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What’s the minimum credit score?
Typically starts at 600, but program flexibility allows for case-by-case evaluation.
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Can I use this program for refinancing?
Yes — available for purchase, rate & term, and cash-out refinancing.
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How are assets calculated?
We use 84 months of eligible assets for income qualification. Assets must be verified and sourced.
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What property types are allowed?
Single-family homes, condos, condo hotels, and select investment properties.
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Are appraisal transfers accepted?
Yes, appraisal transfers are accepted to save you time and money.
Why This Program Works for High-Asset Borrowers
For buyers with strong asset portfolios but non-traditional income sources, qualifying for a mortgage can be a challenge. This program eliminates that barrier by using asset depletion as the primary income qualifier — giving you access to competitive financing without selling off investments or disrupting your financial plan.
A Smarter Way to Keep Your Wealth Working
With high LTV options, generous loan limits, and the ability to combine full-doc income with asset depletion, you can keep your assets growing while securing your dream property. Whether you’re purchasing a primary home, a vacation getaway, or refinancing to tap equity, this program offers a streamlined, financially savvy solution.