Asset Depletion Mortgage

Unlock Your Golden Years with Asset Depletion Mortgages

Empowering Retirees Through Innovative Mortgage Solutions

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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.