You have the money. You just do not have a payslip.
Asset depletion mortgages across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Your savings and investments are converted into a qualifying income. Nothing is sold, withdrawn or pledged. It is a calculation, not a transaction.
Applications go out without your personal information attached. You decide who sees it in full.
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Asset depletion is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You are retired | The classic case. Substantial assets, modest reportable income | Reverse mortgage → |
| You sold a business | Cash in the bank and no current salary is a very common position | All non-QM → |
| You live off investments | Dividends and drawdowns rarely document the way a lender expects | Bank statement loans → |
| You are between roles | Assets can carry the file while your income picture is in transition | Self-employed → |
| You are buying in a high-cost county | Bethesda, Arlington and Loudoun see this profile constantly | Jumbo loans → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What an asset depletion file needs
Statements for the accounts
Savings, brokerage and retirement accounts, depending on what the lender will count.
Assets you can access
Some account types are counted differently, and some not at all.
Seasoning
Lenders want to see the money has been there, not arrived last week.
A credit history the lender can price
Documentation is flexible here. Credit is not.
A deposit
Generally more than an agency loan requires.
A lender that offers the calculation
Not all do, and those that do calculate it differently.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Nothing is actually withdrawn
This confuses almost everyone. Your assets are not spent or pledged. The lender simply converts them into a qualifying figure on paper.
Account types are treated differently
Retirement accounts are often counted at less than face value, and access restrictions matter. Bring everything and let us sort it.
The calculation varies widely by lender
Two lenders can look at identical accounts and produce very different qualifying incomes. This is the single strongest argument for shopping it.
Nadeem Bhatti
Where we place asset depletion loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What asset-rich borrowers ask first
Do I have to spend my savings?
No. Nothing is withdrawn, sold or pledged. The lender converts your assets into a qualifying income on paper and that is the whole mechanism.
Which accounts count?
Savings, brokerage and often retirement accounts, though each is treated differently and some are counted at less than face value.
Do I need any income at all?
Frequently not, which is the point. Some lenders like to see something alongside, and others do not require it.
Is this the same as a reverse mortgage?
No. A reverse mortgage draws on the equity in a home you already own. This is a way of qualifying for an ordinary mortgage.
Is it only for retirees?
No. Anyone whose wealth sits in assets rather than salary can use it, including people who have recently sold a business.
See what your assets qualify you for
Tell us what you hold and where. We will run the calculation across the lenders that offer it, free.