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Asset Depletion Loan

  • No personal income required
  • Qualify based on assets
  • 680 minimum credit score; $175,000 minimum loan amount*
  • Less money down up front

Use your assets to qualify for a mortgage loan.

An asset depletion mortgage loan, or an asset dissipation loan, is a non-traditional loan that allows you to use your assets in your savings accounts, investment accounts, or stocks, mutual funds, and retirement accounts to qualify for a mortgage loan instead of requiring employment income you may not have. Your assets are used to qualify for repayment of the loan vs. standard employment income.

An asset-depletion loan may benefit those who are:

  • Self-employed with insufficient traditional, verifiable income
  • Retirees with low verifiable fixed income
  • Individuals with substantial assets in the U.S.
What Our Customers Say
Joshua S., April 28, 2021
★★★★★ (5)

"Everyone at NASB was great to work with! They made a complicated process simple and easy to understand."

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*Not available in New York state, the Chicago or Baltimore metropolitan areas, and not available in all locations or for all property types. Loans subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding asset depletion loans and what may work best for your situation. Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded.


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NMLS ID# 400039.

Not all products are available for collateral located in all states or for all amounts. Other restrictions and limitations may apply.

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