Who is this loan right for?
Asset Depletion Mortgage Loans benefit retirees, investors, or high net‑worth borrowers who have substantial financial assets (e.g., savings, investments) but limited traditional income.
Benefits of this loan program
- Asset‑based qualification: Uses financial assets in lieu of traditional income.
- Ideal for retirees: Helps fixed‑income borrowers qualify for mortgages.
- Retains lifestyle: Avoids large fund withdrawals while proving repayment ability.
General eligibility requirements
- Verification of liquid assets (stocks, savings, retirement accounts).
- Asset calculation formula meets lender thresholds.
- Minimum credit score guideline (usually 620+).
- Acceptable debt‑to‑asset ratio.
Get started by using one of our FREE tools!
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
Check out our other mortgage calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
