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Flexible financing based on qualifying assets

Turn Your Assets Into Mortgage Qualification

Asset Depletion Loans provide eligible borrowers with a Non-QM financing option that may use qualifying liquid assets to establish income for mortgage qualification, offering an alternative for borrowers with substantial assets but limited traditional income.

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Discover Asset Depletion Loans

At Nexa Lending, we offer Asset Depletion financing for eligible borrowers with qualifying financial assets. Depending on the specific program, eligible assets may be evaluated and converted into qualifying income, providing an alternative approach for borrowers whose traditional income may not fully represent their overall financial resources.

Key Benefits of Asset Depletion Loans

Asset Depletion Loans can provide eligible borrowers with greater flexibility when qualifying assets are an important part of their financial profile.

  • Financing based on your broader financial profile
  • Options for eligible home and investment properties
  • Flexible solutions for asset-rich borrowers
  • Alternative approach to traditional income verification
  • Qualifying assets may support income calculations
An Asset Depletion Loan is a Non-QM mortgage that may use qualifying assets to calculate a monthly income amount for mortgage qualification instead of relying solely on traditional employment income.
Depending on the program, eligible assets may include savings, investment accounts, retirement funds, and other qualifying liquid assets. Specific asset requirements vary by program.
The lender evaluates eligible assets according to the program guidelines and applies an approved calculation to determine qualifying income. The calculation varies based on the asset type and applicable requirements.
These loans may benefit eligible borrowers with substantial assets and limited traditional income, including retirees, investors, business owners, and other asset-rich borrowers.
Certain Non-QM programs may allow Asset Depletion financing for eligible investment properties. Availability depends on the property, loan purpose, assets, and other qualification requirements.

EXPLORE YOUR NON-QM FINANCING OPTIONS

Nexa Lending offers a broad range of Non-QM mortgage solutions designed for borrowers whose financial circumstances may require an alternative approach. Joel R. Suurmeyer helps clients throughout Texas explore available programs based on their income, assets, property, credit profile, and financing objectives.

  • Non-QM Financing
  • Non-Warrantable Condo Loans
  • Investment Property Non-QM Loans
  • Bank Statement Loans
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At Nexa Lending, we understand that every real estate investment comes with unique financing considerations. By working with Joel Suurmeyer, you can review your property details, financial profile, and financing goals to explore Non-QM loan options that may fit your needs. Our team is committed to providing personalized guidance and a smooth mortgage experience, helping you make informed financing decisions with confidence.

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Licensing Details: NMLS ID : 820017 | Company NMLS# 1660690

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