Qualify on what you've saved, not a paycheck
Retired, between roles or living on investments? Asset-based loans turn your savings into qualifying income without selling investments.
- Use retirement, brokerage and savings accounts
- Combine with Social Security and pension income
- Primary, second homes and downsizing purchases
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
How asset depletion works
Lenders take eligible assets, apply a discount for certain account types, and divide the result over a set number of months to create a qualifying monthly income.
It's a popular option for retirees downsizing, buying near grandkids or purchasing a second home in Utah, and for business owners with large cash reserves.
This is a good fit if you…
- Have significant liquid or retirement assets
- Have limited W-2 income
- Are downsizing or buying a second home
- Don't want to liquidate investments to pay cash
Asset-based options
Asset depletion
Income calculated from eligible assets.
Retirement income
Social Security, pensions and distributions.
Combined approach
Mix assets with other income sources.
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Questions we hear often
Which assets count?
Checking, savings, brokerage and retirement accounts. Retirement accounts are often counted at a discount.
Do I have to withdraw the money?
No. The calculation is for qualifying only.
Is there an age limit?
No. Lenders can't deny you based on age.
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.