If your wealth is in your savings, not a salary, asset depletion loans may be your ideal solution. These loans are designed for retirees, self-employed professionals, and high-net-worth individuals who want to qualify using their financial reserves instead of traditional income. It’s a flexible path to homeownership when your assets say more than your paychecks.
We Believe in smart solutions that reflect your financial reality.
An asset depletion loan lets you qualify for a mortgage by using your liquid assets instead of employment income. This type of loan calculates your ability to repay based on the value of bank accounts, investment portfolios, retirement accounts, and other eligible assets. It’s a smart option for retirees, entrepreneurs, or anyone with significant savings and low reportable income.
We Believe your assets should work as hard as you do.
Asset depletion loans are ideal for borrowers who are:
Retirees with high savings but no active income
You’ve worked hard and saved wisely — now your assets can work for you.
High-net-worth individuals with non-traditional income
When your finances don’t fit a W-2 mold, asset-based loans can bridge the gap.
Entrepreneurs and self-employed professionals
Use investment or business account balances to strengthen your mortgage file.
Investors managing multiple income streams
Turn your portfolio into a qualifying resource — not a liability.
Asset depletion loans don’t rely on pay stubs or tax returns. Instead, lenders use your liquid asset total and divide it over a set term to determine qualifying income.
Gather account statements showing balances in checking, savings, retirement, and investment accounts.
We use lender-approved formulas to determine how much of your assets can count as qualifying income.
Once qualified, we guide you through a streamlined approval process with expert insight at every turn.
We Believe mortgages should reward financial discipline.
Lenders prefer clear, consolidated statements. If you have multiple accounts, consider combining them where possible to streamline underwriting.
For starters, our team knows how to structure Asset-Based loans for approval. At California Lending Group, we’ve helped countless clients qualify using asset-based programs. We know what underwriters are looking for and how to present your financial picture in the best possible light.
Schedule a free consultation with our team and let’s make things happen!
Schedule a free consultation with our team and let’s make things happen!
