Asset Depletion
If you have substantial savings or investments but lack a regular paycheck, an asset depletion loan might the ideal option for you. This loan type utilizes your liquid assets—such as retirement accounts, investment portfolios, or cash reserves—rather than relying W-2s or tax returns for qualification. Whether you're retired, self-employed, or living off your wealth, asset depletion enables you to leverage your financial resources for homeownership without the need for traditional income verification.
The Basics:​
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No Traditional Income Required
Qualify based on your assets instead of W-2s, pay stubs, or tax returns. -
Ideal for High-Net-Worth Individuals
Perfect for retirees, self-employed borrowers, or those living off investments. -
Preserve Investment Strategy
You don’t need to liquidate assets—just use them for qualification purposes. -
Flexible Underwriting
Lenders consider a broader financial picture, often resulting in more tailored loan options. -
Access to Homeownership or Investment Opportunities
Enables you to qualify for primary residences, second homes, or investment properties.