Asset Depletion Loans for High-Net-Worth Borrowers

Qualify borrowers based on liquid assets rather than monthly income. Ideal for retirees, high-net-worth clients, and borrowers between income-producing roles. Built for brokers serving asset-rich, income-light clients.

Highlights

  • Qualify off liquid assets instead of income
  • Up to 90% LTV at qualifying scores
  • Loan amounts up to $4M
  • Min credit score 620
  • All occupancy types
  • Exceptions with compensating factors

Who it's for

Retirees, high-net-worth borrowers, and clients between W-2 roles whose assets exceed traditional income.

FAQ

What assets count?

Verified liquid assets — checking, savings, brokerage, and qualifying retirement accounts.

Is this owner-occupied eligible?

Yes — all occupancy types are eligible.

Explore other programs

  • DSCR Loans
  • Non-QM Loans
  • Bank Statement Loans
  • Foreign National Loans
  • ITIN Loans
  • Asset Depletion Loans
  • Mixed-Use Loans

Get started

  • Become an Approved Broker Partner
  • Submit a Scenario to the Deal Desk
  • Browse the Forms Library