Asset Depletion Program
A flexible mortgage solution for borrowers with significant assets who want to use eligible funds to help support mortgage qualification instead of relying only on traditional income documentation.
Program Overview
The Asset Depletion Program is designed for borrowers who have accumulated meaningful assets and want to use those assets as part of their mortgage qualification strategy. This program may be a strong fit for clients with retirement accounts, investment accounts, savings, or other eligible assets who may not show enough traditional income to qualify through standard guidelines.
Program Features
Designed for borrowers with significant eligible assets who need an alternative income qualification path.
Uses eligible assets to help calculate qualifying income for the loan scenario.
May be helpful for retirees, self-employed borrowers, investors, or high-net-worth clients.
Can support borrowers who have strong reserves but limited documented monthly income.
Eligible asset types may include savings, investment, retirement, and other verifiable liquid asset accounts.
Can be used to create a clearer qualification strategy for qualified purchase or refinance scenarios.
Why Choose This Program?
Helps borrowers leverage assets they have already built to support mortgage qualification.
Provides a flexible alternative for clients who may not fit traditional income documentation requirements.
Can be especially useful for borrowers with strong financial strength but reduced or nontraditional monthly income.
Creates another lending solution for realtors working with retirees, investors, and high-net-worth clients.
May help borrowers access financing without relying only on pay stubs, W-2s, or traditional employment income.
Supports a cleaner conversation around liquidity, reserves, and long-term financial stability.
Who This Program Is Great For?
Retired borrowers with strong assets but limited monthly income documentation.
High-net-worth clients with meaningful liquid, investment, or retirement assets.
Self-employed borrowers whose tax returns may not reflect their full financial strength.
Borrowers purchasing or refinancing who need an alternative income calculation method.
Investors with strong reserves who want a flexible qualification strategy.
Realtors working with financially strong clients who may not qualify through standard income documentation alone.
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