Asset Depletion Loans
Qualify for a mortgage using your savings and investments instead of a paycheck. If you have built real wealth but your tax returns tell a different story, this program turns your assets into qualifying income.
Asset depletion loans let you qualify for a mortgage using your savings and investments instead of employment income. If you have significant assets but a modest income on paper, we can turn what you have built into qualifying income.
Here is how it works: instead of reviewing pay stubs or tax returns, the lender looks at your total eligible assets — such as savings, stocks, and retirement accounts — and converts a portion of them into a monthly income figure for qualification. You never have to sell or spend those assets to qualify.
This program is a strong fit for retirees, business owners who reinvest their earnings, and anyone whose tax returns understate what they can truly afford. Jimmy D. Williams, TPRG Capital, NMLS #2692844 will walk you through your options in plain language.
Assets-to-Income Conversion
Savings and portfolios converted to qualifying income — no liquidation.
Retirement-Aware Structuring
Qualification without touching your withdrawal strategy.
Texas Licensed
Asset-based lending under NMLS #2692844.
How do asset depletion loans compare to traditional income documentation?
| Asset depletion | Traditional full-doc | |
|---|---|---|
| Qualifying basis | Savings and investments converted to monthly income | Employment income from tax documents |
| Employment | Not required | Required |
| Selling assets | Never required — calculation only | Not applicable |
| Built for | Retirees, wealthy self-employed, low-taxable-income borrowers | W-2 employees |
| Best fit | Significant assets, modest paper income | Steady employment income |
Program guidelines vary by scenario. Contact us for options based on your situation.
Frequently Asked Questions
What is an asset depletion loan?
An asset depletion loan (sometimes called an asset-based mortgage) qualifies you using your savings and investments instead of employment income. The lender converts your eligible assets into a monthly income figure for qualification purposes.
Do I have to sell my investments to qualify?
No. Your assets are only used as a calculation to show you can afford the loan. Your accounts stay exactly as they are.
Who is an asset depletion loan best for?
Retirees, self-employed buyers, business owners who reinvest their profits, and anyone with substantial savings but a modest income on paper.
What kinds of assets can count?
Commonly checking and savings accounts, stocks, bonds, mutual funds, and retirement accounts. Eligibility rules vary by program, and your loan officer will confirm what applies to your situation.
How do I apply for an asset depletion loan with TPRG Capital?
Request a free quote or apply online, then a TPRG Capital loan officer will review your goals and recommend the best option for your situation. Call (972) 679-1613 to get started.
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Wealth is not always wages. Asset depletion lending converts what you have built into qualifying power, without selling a single position.
Why borrowers choose Asset Depletion Loans
We inventory your eligible assets — cash, investments, retirement accounts — and calculate the qualifying income each program formula produces, choosing the strongest.
Your loan officer coordinates statements and verifications with precision, because asset files are won on documentation quality.
From Frisco, we serve retirees, entrepreneurs, and high-net-worth Texans under NMLS #2692844 — borrowers whose balance sheets outshine their tax returns.
A recent statement stack is all we need to size your qualifying income — usually within a day.
For independent retirement-and-housing guidance, see the CFPB\u2019s retirement planning tools. When you are ready, request your free quote today.
This content is for general information only and is not a commitment to lend or an offer of specific terms. Program guidelines, qualification requirements, and terms are subject to change without notice. All loans subject to credit approval. TPRG Capital, Jimmy D. Williams, NMLS #2692844. Equal Housing Lender. Licensed in Texas.