Mortgage Miracles Happen
Mortgage Miracles Happen

Asset Depletion Mortgage Loan

Asset Depletion Mortgage Loans are designed to help those who write off to much on their tax returns that cannot qualify for a conventional mortgage because their debt ratios are too high yet they have a large dollar amount of liquid assets.

We use a calculation to give the borrower a monthly income based on the total amount of liquid assets.

Money House


We provide asset depletion mortgage loans up to 3 million USD.

Up to 50% DTI (Debt to Income) ratio.

Primary Residence, 2nd Home, Investment property

We calculate the income and debt to income ratio’s used based on each type of liquid account and a certain percentage of that account can be given a monthly income to be used for qualification.

Funds held in a trust can be used. The borrower of the loan has to be the beneficiary of the funds in the trust account.

Types of liquid accounts that can be used are:

  • Checking account
  • Savings account
  • Mutual Fund
  • Roth IRA (Traditional IRA)
  • 401-K
  • Bond’s
  • Stocks