Qualify for a Mortgage With Your Assets
Turn your savings, investments, and retirement accounts into qualifying income, with no paycheck or tax returns required.
- 30+ years of experience
- No employment required
- Great for retirees
What Is an Asset Depletion Loan?
An asset depletion loan converts your eligible assets into monthly income for qualifying. The lender divides your balances over a set number of months.
It’s ideal if you’re retired, between businesses, or live off investments and have significant savings but limited earned income.
Why Choose an Asset Depletion Loan?
Keep your investments working while you buy the home you want.
Use Your Savings
Checking, savings, brokerage, and retirement accounts can all count.
No Job Required
Qualify without a paycheck, pension, or business income.
Built for Retirees
Buy or downsize in retirement without selling investments.
Stay Invested
You don’t spend the assets. They only prove you can repay.
Combine Income
Add Social Security, pension, or rental income to qualify for more.
Buy Any Home
Primary residences, second homes, and investment properties.
Do You Qualify?
If you have substantial assets, this may be your simplest path. Lenders look for:
- Liquid or retirement assets that are easy to document
- Credit score of about 660 or higher
- Down payment of about 20% or more
- Assets remaining after your down payment and closing costs
- Two to three months of account statements
Find Out What You Qualify For
Get a free pre-approval, often the same day. No obligation.
Prefer email? Send us a messageAsset Depletion Loan Questions
How is my income calculated?
Your eligible assets, after the down payment and closing costs, are divided by a set number of months. The result is treated as monthly income.
Do retirement accounts count?
Usually, yes. Retirement accounts are often counted at a percentage of their value to allow for taxes and penalties.
Do I have to sell or withdraw my assets?
No. The assets only need to be documented. You keep them invested.
Can I combine assets with other income?
Yes. Social Security, pensions, and rental income can be added to your asset income.
Is this only for retirees?
No. It also works for investors, recent business sellers, and anyone with strong assets but limited earned income.
Run the Numbers First
See what you can afford and how extra payments could save you interest.
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