Asset Utilization Loans
Asset Utilization Loans
Asset Utilization Loans — also called Asset Depletion or Asset Dissipation loans — allow borrowers to qualify for a mortgage based on their liquid assets rather than traditional employment income. If you have significant savings, investments, or retirement funds but limited monthly income on paper, this program may be the ideal solution.
How It Works
Document Your Assets
Provide 2–3 months of statements for all qualifying accounts.
Asset Depletion Calculation
Eligible assets are divided over a set number of months (e.g., 360 months for a 30-year loan) to arrive at a monthly qualifying income figure.
Underwriting & Approval
Your loan is underwritten using the calculated asset income, your credit profile, and the property value.
Close on Your Property
Receive approval and close on your home without ever needing to show a paycheck.
Program Highlights
No Employment Required
Qualify based on your liquid assets alone — no job, no income verification needed.
Retirement Assets Accepted
IRAs, 401(k)s, and other retirement accounts can be used (with applicable discount factors).
Ideal for Retirees
Perfect for borrowers living off investments, savings, or retirement distributions.
High-Net-Worth Friendly
Designed for borrowers with substantial assets but limited reportable income.
Loan Amounts Up to $3M+
Finance luxury primary residences, second homes, and investment properties.
Flexible Credit Requirements
Competitive programs available for borrowers with strong asset profiles.
Eligible Asset Types
- Checking and savings accounts
- Money market accounts
- Stocks, bonds, and mutual funds
- IRAs and 401(k)s (discounted)
- Vested stock options
- Trust account assets
- Proceeds from asset liquidation
- Annuities (select programs)
Your Assets Can Work for You
Don't let a lack of traditional income documentation prevent you from purchasing your dream home. Contact us to explore your options.
Ready to Get Started?
Let our family help yours. Call us at 561-207-8082 or apply online today.