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Asset Depletion Program to 5 Million

Asset Depletion Jumbo Loan | Forms 4506-T and 4506-C Not Required

Income Documentation Alternative:

Asset Depletion

Self Employed and W-2 Wage Earner Co-Borrower

660 Mortgage Credit Score – 80% LTV to 2 million

640 Mortgage Credit Score – 75% LTV to 2 million

Credit Notes:

2 years seasoning required from bankruptcy discharge date.

2 years seasoning required for short sales and foreclosures,

Purpose: Purchase, Refinance

Cash Out Refinance – $1,500,000 Maximum Cash Out

Property Types:

Single Family Residence SFR


Owner Occupied

Second / Vacation Home – 80% Maximum LTV

Debt to Income ratio:

43% maximum DTI

Available in the Following States:

Alabama, Arizona, California, Colorado, District of Columbia, Georgia, Florida, Iowa, Indiana, Kentucky, Maryland, Michigan, Minnesota, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, and Washington.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Lending

Non-Qualified Lenders

Unconventional Lenders