No. The assets just need to be documented with recent statements. They stay right where they are — invested, growing, untouched. We're using the existence of the assets to establish qualifying income, not the assets themselves.

Checking and savings accounts (100%), brokerage and investment accounts (70%), IRA and 401(k) pre-tax (60% — or up to 100% if you're past RMD age, depending on the lender). Joint accounts typically count at 50% unless both account holders are on the loan. Business accounts may count with proper documentation.

Yes — and this is often the strongest approach. Asset depletion income + Social Security + pension or rental income can qualify you for a significantly larger loan than any one source alone. We add them together and find the right lender for the combined profile.

Most asset depletion programs require 680–720+. Strong credit typically means better rates even within this product category. Borrowers with 740+ generally see the most competitive pricing.Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.

Yes — in fact this is one of the most common scenarios. You may have 30+ years of W-2 history but no current income. Asset depletion doesn't require any employment history. Your balance sheet is the qualification, not your income history.