Asset depletion loans let Texas retirees and high-net-worth borrowers qualify using savings, investments, and retirement accounts—no employment income needed.
Built for borrowers with substantial wealth but non-traditional income.
Retired professionals with substantial savings and investment accounts but limited monthly income from pensions or Social Security — popular across Dallas and the Hill Country.
Wealthy individuals whose income is primarily from capital gains, dividends, or trust distributions that are difficult to document traditionally. We also see this profile across Houston energy and medical-center corridors.
Beneficiaries of family trusts with significant liquid assets but no traditional W-2 employment income.
Entrepreneurs who recently sold a business and have substantial proceeds but no ongoing employment income — if you're considering pulling cash from another property too, a no-tax-return refinance may stack with this program.
Individuals who achieved financial independence and retired early, living off investment portfolios and savings. Austin tech alumni use this most often.
Individuals with significant assets held in US accounts who may not have traditional US employment income.
Your assets tell a story of financial responsibility. Our asset depletion programs convert your portfolio into qualifying income—so your wealth gets you home, not a paycheck.
Liquid assets are divided by 360 months to calculate theoretical monthly income. No employment, W-2s, or tax returns needed—your wealth does the qualifying. Self-employed buyers with bank deposits instead of portfolios may prefer a bank-statement loan.
401(k)s, IRAs, and other retirement accounts can be used. If you're 59½+, full value counts. Under 59½, accounts are typically valued at 70-80%. Business owners with two years of statements may also consider a P&L mortgage.
Stocks, bonds, mutual funds, and brokerage accounts all count toward your qualifying asset total at their current market value. Run scenarios with our mortgage calculator to see how your portfolio translates into purchase power.
Asset depletion loans work for primary residences, second homes, and investment properties across all Texas markets. Investors targeting rentals often pair this with a DSCR loan for additional doors.
No W-2s, no pay stubs, no employer verification. Your liquid assets are the sole basis for mortgage qualification.
Designed for retirees who have accumulated wealth but lack traditional monthly income. 401(k)s and IRAs count.
Asset verification is straightforward—provide account statements and let your portfolio do the talking. Close in 25–35 days.
From asset review to closing day.
Submit 2–6 months of statements for all qualifying accounts. We calculate your total eligible liquid assets and theoretical monthly income.
Receive a pre-approval letter based on your calculated asset depletion income. No employment verification or tax returns needed.
Our underwriters verify asset statements, confirm seasoning requirements, and calculate DTI ratios. Timeline: 2–3 weeks.
Sign at a Texas title company and move into your new home—financed by your lifetime of financial success.
Minimum $500K–$1M in qualifying liquid assets. Assets must be seasoned 60–120 days. Divided by 360 months to calculate monthly income.
Minimum 680 credit score. 740+ unlocks the best rates and maximum leverage. Clean credit history preferred — loan amounts above conforming usually fall under our jumbo loan guidelines.
20–30% down for primary residences. 25–35% for investment properties. Assets after down payment must still meet the depletion calculation.
Maximum 43–50% debt-to-income ratio based on the calculated asset depletion income. Use our DTI calculator to confirm where your scenario lands. Some programs allow up to 55% with strong compensating factors.
Side-by-side comparison for high-net-worth Texas borrowers.
Calculate your qualification before applying.
Common questions about qualifying for a Texas mortgage using your assets.
No employment. No pay stubs. Just your financial portfolio.
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