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


  • 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 


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