Loan programs
Loan programs
An asset based loan, sometimes called asset depletion or asset utilization, calculates a qualifying income from your liquid assets, like savings, investment and retirement accounts. It's built for borrowers with significant assets but irregular or limited income.
Who it's for
What to know
Eligible account balances are used to calculate a monthly income for qualifying, without employment verification.
Checking, savings, brokerage and retirement accounts may count, depending on the program.
Asset based loans have their own requirements for credit, reserves and property type. I'll help you see whether it fits.
Not all borrowers will qualify. Programs subject to credit approval, eligibility and underwriting guidelines.
FAQ
No. The program uses your account balances to calculate income. You don't need to cash them out to qualify.
Often, yes. Some programs let you add asset based income to Social Security, pension or other income.
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