Use retirement savings or investments to qualify for a mortgage — no income, employment, or tax returns required.
Asset Depletion Loans for Flexible Qualification
Asset Depletion Loans offer a flexible way to qualify for a mortgage using your savings.
Instead of relying on pay stubs or tax returns, Asset Depletion Loans allow you use your liquid assets as proof of income. It’s an ideal choice for retirees, early retirees, or anyone living off investments. Start here →
How This Loan Works
This loan calculates income by dividing your liquid assets over a set period. As a result, you don’t need employment or consistent income to qualify. Common qualifying assets include savings, retirement funds, and brokerage accounts.
For example, if you have $1 million in eligible accounts, the lender might divide that by 120 months, creating $8,333 in monthly qualifying income. This method simplifies things while still meeting loan guidelines.
Who Can Benefit From This Loan?
If your financial strength isn’t shown on a tax return, this loan may help. You’re a good fit if:
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You’re retired or semi-retired
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You live on dividends, distributions, or capital gains
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You don’t want to provide job or business details
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Your taxable income looks low due to write-offs
Because it’s based on reality—not red tape—this loan serves a unique purpose. Explore your eligibility →
Key Benefits of Asset-Based Lending
Unlike traditional loans, this one allows you to leverage what you already have. That gives you control, speed, and fewer hoops to jump through. It’s especially useful during transitions, like retirement or changes in income type.
Top advantages include:
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No tax returns or employment required
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Ideal for high-net-worth individuals
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Can be used for primary, second, or investment properties
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Less documentation and faster decisions
Since you’ve worked hard to build assets, you deserve to use them with confidence. Compare your loan paths →
Why Work With Us?
Some lenders hesitate with nontraditional loans—we don’t. We understand the details of asset-based lending and take time to structure the right loan for your situation. You’ll get expert support, not a generic process.
Let’s turn your savings into your next home.
✅ Who This Helps
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Retirees with large savings
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Self-employed with low reportable income
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High-net-worth borrowers
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Anyone without steady W-2 income
✅ Why Choose Asset Depletion
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Qualify without job or tax returns
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Use retirement or investment accounts
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Works for primary, second home, or investment
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Ideal for lifestyle transitions or early retirement