Asset Depletion Qualification is simply an Underwriter’s tool to apply more qualifying income by calculating a return on the borrower’s “liquidable” assets. An Asset Depletion Loan is a great program for helping home buyers qualify for a loan despite not having “enough” verified income on their tax returns.

Asset Depletion qualifying is where the lender will derive an income from the borrowers assets and add it to their verifiable income from their tax returns. Find out what assets are acceptable for an Asset Depletion.