Asset-Qualifying Mortgage
An asset-based loan program for high-net-worth individuals and retirees that uses asset depletion to qualify without requiring monthly income verification.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,000,000
- Documentation
- asset-depletion
- States
- most states
Highlights
- •60- or 180-month depletion options
- •No monthly income verification needed
- •Ideal for retirees and high-net-worth borrowers
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/18/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.