MENU
/mortgagemarvel/ASSETB3.jpg)
WATCH A VIDEO ABOUT THIS PROGRAM
/mortgagemarvel/images/Asset_Based_Home_Loans_Asset_Depletion_Mortgages_2025_Derek_Bissen_Unconventional_Lending.jpg)
OUR ASSET-BASED LENDING PROGRAMS ARE DESIGNED TO USE AN APPLICANT'S LIQUID WEALTH PORTFOLIO TO QUALIFY.
ASSET-BASED HOME LOAN PROGRAMS ARE PERFECT FOR APPLICANTS WITH SUBSTANTIAL LIQUID WEALTH, BUT WHO MAY EARN OR REPORT LITTLE OR NO INCOME ON THEIR FEDERAL INCOME TAX RETURNS. The term 'liquid wealth' refers to US-based bank accounts, retirement accounts, stocks, money market accounts and investment accounts, etc.
In other words, if you have amassed enough liquid money to live off of the dividends, then this program is likely ideal for you.
There are two ways to qualify for this type of program:
1. ASSET DEPLETION - Sometimes referred to as "Asset Annuitization". This means that in order to calculate the income for your new loan, we take the total qualifying liquid assets, and then divide by a certain amount of months.
2. ASSET MATCHING - This means that we compare the amount of remaining liquid assets (after removing the down payment, settlement charges, and reserves), and compare it to the new loan amount. If the remaining assets are larger than the new loan amount, then the loan qualifies from an income standpoint.
Now you can put your money to work for a mortgage, just like it does with your other financial endeavors.
/mortgagemarvel/images/Triangle_warning_exclamation_point.png)
NOTE: REAL ESTATE WEALTH and CRYPTOCURRENCY WEALTH are not considered eligible assets for an Asset-based loan program.
/mortgagemarvel/images/No_Escrow_Account_House_Coins_Money_2025.png)
WHAT'S NEEDED?
Download a document checklist to get orepared:
DOWNLOAD DOCUMENT CHECKLIST
Qualify using the strength of your liquid assets instead of Federal tax returns.
Use multiple income sources (such as Social Security, Pension awards) can be used to qualify, in addition to the liquid asset income.
No Federal tax returns needed to qualify, but can also be used if needed.
Keep your money where you want it. The income we derive from your liquid assets is for qualification purposes only. We do not govern your accounts in any way.
Keep your financial planning and banking relationships intact. We do not require that you move your money or sacrifice your existing relationships in order to qualify.
______________________________________________
______________________________________________
/mortgagemarvel/images/Asset_Based_Home_Loans_Asset_Based_Mortgages_Liquid_Wealth_Portfolios_nonqm_Unconventional_Lending_unconventionallending_unconventional_loans_1.jpg)
/mortgagemarvel/images/No_Tax_Returns_Required_Bank_Statement_Loans_for_Self_employed_Unconventional_loans_1.jpg)
/mortgagemarvel/images/PROUDL2.jpg)
/mortgagemarvel/images/Conventional-2.png "Conventional")
/mortgagemarvel/images/Asset_Based_Home_Loans.png "Asset Based Home Loans")
/mortgagemarvel/images/Asset_Based_Home_Loans.png "Asset Based Home Loans")
AMORTIZATION
(MONTHS)
(MONTHS)
ASSET-BASED INCOME FOR QUALIFICATION
MAX LOAN AMOUNT IN MOST AREAS
Side-By-Side Comparison of different programs based on the following scenario:
PURCHASE of a SINGLE-FAMILY HOME
REMAINING NET ASSETS: $750,000
(AFTER DOWN PAYMENT/ SETTLEMENT CHARGES/ RESERVES)
360
✅ 60 - 84
✅ ASSET
MATCHING
$2,083/mo
✅ $12,500/mo
✅ N/A
$832,750
(for 2026)
✅ $3MM
✅ $4MM
✅ NONE
AGE RESTRICTIONS
(Income only) *
✅ NONE
⚠️ 62 OR OLDER *
* Conventional loans require that the applicant be 62 years of age in order to use liquid assets as income (asset depletion / asset annuitization).
WEALTH AS INCOME
CONVENTIONAL
ASSET MATCHING
There are several types of loan programs in the marketplace that offer an ASSET-BASED INCOME APPROACH (sometimes referred to as 'Asset Depletion' approach), but the most common example is a traditional Conventional loan program.
/mortgagemarvel/images/DoubleDownArrowsBlue.png)
/mortgagemarvel/images/Conventional.png "Conventional Home Loans")
CONVENTIONAL
(Fannie Mae)
Maximum Loan Size:
$832,750
BASIC INCOME FORMULA:
Total Liquid Assets Minus Transaction Costs (Down Payment + Settlement Charges + Reserves)
…then divide that number by 360 months.
IF THE APPLICANT HAS
$750,000
LEFT OVER AFTER CLOSING, THE INCOME CALCULATION WOULD BE
$ 2,083/mo
The resulting figure becomes monthly income that the lender uses to qualify the applicant.
/mortgagemarvel/images/Asset_Based_Home_Loans.png "Asset Based Home Loans")
✅ ASSET BASED LOAN
Maximum Loan Size:
$3MM
INCOME BASIC FORMULA:
Liquid Assets Minus Transaction Costs (Down Payment + Settlement Charges + Reserves)
…then divide that number by 60 - 84 months.
+ additional underwriter discretionary income (proprietary calculation)
IF THE APPLICANT HAS
$750,000
LEFT OVER AFTER CLOSING, THE INCOME CALCULATION WOULD BE
$ 8,928/mo - $12,500/mo
The resulting figure becomes monthly income that the lender uses to qualify the applicant.
As you can see, Conventional loans can be restrictive in their approach. Additionally, the amount you can borrow is limited to the Conventional loan size limit for a given area (currently $832,750 in most areas).
Thankfully, there are other options. For instance, our Asset-Based Loan Program has a much more generous approach, allowing 30% - 40% more income vs a Conventional loan. It typically has lower interest rates than Conventional programs, and best of all, WE CAN ACCOMMODATE LARGER JUMBO-SIZED LOAN SIZES UP TO $3 MILLION.
They can be used in purchase transactions, rate & term refinances, and cash-out refinances.
Asset-based lending can be used to purchase a Primary Residence, or Second/Vacation homes, but is generally not intended for Investment purposes.
This type of program is designed for well-qualified applicants.
KEEP YOUR EXISTING FINANCIAL RELATIONSHIPS INTACT:
WE DO NOT REQUIRE YOU TO MOVE YOUR MONEY AROUND BETWEEN INSITUTIONS, so you can keep your existing investment/ banking/ and retirement relationships and strategies as they are.
AGE MINIMUMS:
Under our own Asset-Based Loan Program, APPLICANTS DO NOT NEED TO BE OF RETIREMENT AGE TO UTILIZE LIQUID ASSETS FOR QUALIFICATION PURPOSES. This is ideal for people who have achieved wealth earlier in their lives; as well as for people who are technically of retirement age who are looking to delay retirement withdrawals for tax purposes.
For Conventional loans, the applicant must be at least 62 years of age in order to use assets as income for qualification
/mortgagemarvel/images/Welcomemat.jpg)
If you are living off of your liquid assets, we would be delighted to discuss your scenario and answer all of your questions. We would also be happy to arrange a conversation with your financial professional to ensure that program fits into your long-term financial plans.
Remember, stop letting these banks and credit unions tell you NO,
when we have more reasons to say YES.
An asset-based loan—also known as an asset depletion mortgage—allows borrowers to qualify using their liquid assets instead of income. Lenders calculate your ability to repay based on the value of your bank, brokerage, or retirement accounts.
Asset depletion loans are ideal for retirees, high-net-worth individuals, and self-employed borrowers with substantial liquid assets but low reportable income. These loans are common for those who don’t receive regular paychecks but have significant savings or investments.
Instead of using W-2 income, lenders divide the total eligible assets by a set number of months (usually 60 to 120) to determine a monthly “income” figure. This number is then used to calculate debt-to-income (DTI) ratios for loan approval.
No. You don’t need to liquidate or withdraw assets to qualify. Lenders use the current balance and type of account (checking, savings, stocks, retirement, etc.) to determine your ability to repay—no sales required.
Eligible assets typically include:
Some lenders discount retirement accounts depending on your age and withdrawal eligibility.
Yes, in many cases. Asset-based loans often require no employment verification or tax returns. They are part of the non-QM (non-qualified mortgage) category and are designed for borrowers with wealth but unconventional income documentation.
Yes! You can use an asset-based mortgage to purchase a primary residence, second home, or even an investment property—as long as you meet the asset requirements and credit guidelines.
Absolutely. Asset depletion loans are popular for refinancing, especially for borrowers who’ve recently retired or transitioned out of traditional income sources but still hold substantial wealth.
Yes. We can coordinate closings at U.S. Embassies or Consulates for your convenience.
Yes. Through your U.S. entity, you can purchase and own investment property without residing in the United States.
Yes. Many asset-based loan programs allow for cash-out refinancing, which lets borrowers unlock equity for investment, retirement planning, or other large expenses without showing regular income.
Lenders usually want to see enough assets to cover the loan term or at least 3–5 years of expenses. Minimum requirements vary but often start at $500,000 to $1,000,000 in liquid, verifiable assets.
/mortgagemarvel/images/EHL-Logo-Wht-Transparent-ID-9052d01a-8907-46c7-ef92-6c9b737a10e1.png){kind=spacer}
This is not a commitment to lend. Not all borrowers will qualify for the loan programs listed. All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.
/mortgagemarvel/images/Clear_Home_Loans_Logo_2026.png){kind=spacer}
/mortgagemarvel/Message_Icon.png){kind=icon}
/mortgagemarvel/Apply_Button_House_Smile_Circle.png)