Qualify using assets instead of traditional income.
Asset Depletion Loans may allow qualified borrowers to use liquid assets and retirement accounts to help qualify for a mortgage.
Not all applicants will qualify. Subject to approval. Program availability varies by investor and borrower eligibility.
What this program may offer.
- Retirement Assets Accepted
- Investment Accounts Accepted
- Brokerage Accounts Accepted
- No Employment Required
- Purchase & Refinance
- Jumbo Options Available
- High-Net-Worth Borrowers
- Flexible Qualification
Designed with these borrowers in mind.
- Retirees
- High-net-worth borrowers
- Investors
- Executives
- Business owners
- Borrowers with significant assets
Let your portfolio do the qualifying.
For borrowers with substantial savings and investments, traditional income documentation doesn't always reflect their true financial strength.
Asset Depletion programs convert qualifying liquid assets into a usable income stream for underwriting — opening the door for retirees, investors, and high-net-worth borrowers.
Eligible Assets May Include
- Checking Accounts
- Savings Accounts
- Brokerage Accounts
- Retirement Accounts
- Investment Portfolios
Program availability varies by investor and borrower eligibility.
Let's review the options you may qualify for.
Connect with Star Financial to review program availability for your situation. As a direct lender with in-house underwriting, our team reviews each scenario individually.
All mortgage programs are subject to borrower eligibility, credit approval, income documentation requirements, investor guidelines, property eligibility, and underwriting review. Not all applicants will qualify. Program availability may vary.
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