Asset Depletion Mortgage

Unlock Your Golden Years with Asset Depletion Mortgages

Empowering Retirees Through Innovative Mortgage Solutions

Minimum Credit Score

Not Calculated

Maximum Debt To Income


Maximum Loan To Value


Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage recognizes the unique financial scenarios of high-net-worth individuals, such as recent retirees, investors, day traders, and even cryptocurrency holders, especially those who may not have a consistent income stream. To cater to these clients, we offer an asset depletion mortgage program that allows them to leverage their liquid assets to qualify for a home loan.

Key Points of Asset Depletion Mortgages:

  • Target Audience: This program is designed for clients with significant assets but irregular income. It’s particularly beneficial for retirees who have amassed savings and investments over their working years.
  • Utilizing Assets as Income: Asset depletion mortgages work by calculating a portion of your liquid assets and treating them as income for the purpose of qualifying for a mortgage.
  • Qualification Threshold: Generally, you’re required to have enough liquid assets to cover mortgage payments for a certain number of months, often starting at 24 months, with more months providing better terms.
  • Loan Terms and Rates: While this might not be a conventional loan, it can offer competitive terms and rates for those who can demonstrate substantial assets.

Advantages of Choosing Innovative Mortgage for Asset Depletion Mortgages:

  • Tailored Solutions: We understand that traditional income verification methods don’t apply to everyone. Our asset depletion program is customized to your financial landscape.
  • Accessibility: This loan type creates a pathway to homeownership or refinancing for those who might find it difficult to qualify under standard income documentation requirements.
  • Competitive Options: With access to a diverse range of lending sources, Innovative Mortgage ensures you have access to the best rates and terms available for your situation.
  • Expert Guidance: Our team will walk you through the process, offering expert advice on how best to leverage your assets for mortgage qualification.

Leverage Your Assets Efficiently:

If you’re a high-net-worth individual without a conventional income pattern but with substantial assets, an asset depletion mortgage might be the solution you need to finance a home purchase or refinance an existing mortgage.

Innovative Mortgage is here to help you navigate this lesser-known loan option. We’ll work closely with you to assess your assets and determine if an asset depletion mortgage aligns with your financial goals.

Contact us at Innovative Mortgage to explore how an asset depletion mortgage can unlock your purchasing power. Let’s discuss how we can convert your assets into a stable foundation for your dream home.

Pros of Asset Depletion Mortgages for Retirees


Your Assets Are Your Income

Designed for retirees, our program allows your assets to be used as income, making homeownership more accessible.

Flexible Qualifications

Asset Depletion Loans offer flexible qualification criteria, ideal for retirees seeking homeownership opportunities.


No PMI charges with our Asset Depletion Loans, making them more affordable for our retiree clients.

Considerations for Asset Depletion Mortgages


Higher Rates

Interest rates can be higher than traditional mortgage loans due to the unique nature of this product.

Asset Requirement

This loan type requires significant assets for qualification, but we're here to guide you through the process.

Key Issues That Will Get Early Attention

Explore Conventional
While Asset Depletion Loans are great for retirees, we'll explore all options to find the best fit for you.
Asset Evaluation
We'll evaluate your assets in detail to ensure they qualify for this type of loan, providing you complete transparency.
Financial Assessment
We’ll help you analyze your financial situation to ensure an Asset Depletion Mortgage is the right solution for you.
Long-term Financial Strategy
We will discuss how an Asset Depletion Mortgage fits into your long-term financial strategy, ensuring you're set for a comfortable retirement.

We're Simply Better and Not Just on Price...


We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.


Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.


Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans
Local Bank Branch
Big Name Online Lenders
Shops Hundreds of Lenders
Scans Thousands of Programs To Find You The Best Available
Is Loyal to Borrowers and Not Lenders
Has Multiple No Tax Return Mortgage Options
Can Show You Conventional and Non QM Options
Multiple 100% Financing Options for First Time Home Buyers
Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

Here's what you get when you apply with Lightning Loans by Innovative Mortgage

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders. 

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it. 

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes. 

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary 

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions


Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.


Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.