Asset Depletion Loan Program – Unlock Borrowing Power Without Traditional Income Documentation

At Loanhouse, we understand that high-net-worth borrowers may not have traditional income streams but still have substantial assets. Our Asset Depletion Loan Program allows your clients to qualify using their liquid assets instead of tax returns or employment income. By calculating a monthly income equivalent based on their asset balances, we offer a flexible, no-income-verification solution tailored for retirees, investors, and self-employed professionals. With loan amounts up to $5 million, competitive rates, and streamlined underwriting, this program provides a powerful financing option for primary residences, second homes, and investment properties. Partner with Loanhouse today and help your borrowers leverage their wealth to achieve their homeownership and investment goals.

Leverage Assets, Not Income – A Smart Solution for High-Net-Worth Borrowers

No Employment or Tax Returns Required – Qualify borrowers based on liquid assets, not traditional income.

High Loan Amounts – Borrow up to $5M with competitive rates and flexible terms.

Ideal for High-Net-Worth & Retired Borrowers – Perfect for investors, retirees, and self-employed individuals with substantial assets.

LTVs Up to 85% – Expanded financing options with no income verification.

Eligible Assets Include – Checking, savings, stocks, bonds, mutual funds, and retirement accounts (subject to eligibility).

Multiple Property Types – Finance primary residences, second homes, and investment properties.

Fast & Streamlined Closings – Simplified underwriting with no DTI calculations for a smoother approval process.

TPO-Friendly Process – Competitive compensation, expert support, and a seamless broker experience.