What is Asset Utilization / Depletion?

The “Asset Depletion / Utilization” Non-QM program is designed for asset-rich borrowers, providing an attractive LTV of up to 90% across diverse property types. It maximizes the value of your borrowers’ liquid assets, offering 100% credit for checking and savings, and effectively accounting for their investments in stocks, bonds, and retirement accounts. With a straightforward FICO requirement of 640 and a flexible approach to recent credit events, it streamlines the lending process. Importantly, its wide-ranging inclusivity embraces both US Persons and ITIN holders, ensuring you have a compelling, asset-centric mortgage solution to offer your borrowers.

Need an Asset Utilization / Depletion loan scenario review?

If you have a client scenario that you would like our team to review, please use our simple prequal submission form.


  • Up to 90% LTV / 640 Min FICO
  • Loan Amounts From $125K to $3.5M
  • Purchase, Rate/Term and Cash Out
  • OO, Second Home, NOO
  • Qualified Assets: 100% Credit of Checking, Savings and Money Market; 80% Stocks and Bonds; 60–70% of Retirement Accounts
  • U.S. Citizen, Permanent and Non-Permanent Residents, ITIN


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This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with all laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice.