High-Net-Worth Mortgage Solutions
Your wealth speaks for itself. Asset depletion, jumbo, and portfolio programs designed for sophisticated borrowers.
Overview
High-net-worth individuals often have complex financial profiles that don't fit traditional lending boxes. You may have significant assets but limited W-2 income, or your income comes from investments, trusts, or business distributions. Asset depletion loans, jumbo programs, and portfolio lending are designed specifically for borrowers whose financial strength is in their net worth, not their paycheck.
Common Challenges
Here's what often makes financing harder — and how we solve it.
No Traditional Employment
Retirees, trust recipients, and investors often have no W-2 or employment income — but substantial assets.
Complex Income Sources
Capital gains, dividends, distributions, and royalties require specialized underwriting.
High-Value Properties
Jumbo financing has different requirements than standard conforming loans.
Recommended Programs
Loan programs designed for your situation.
Qualification Tips
Asset depletion divides your liquid assets by 240–360 months to calculate a "monthly income" for qualification.
Retirement accounts may be counted at 60–70% of value to account for taxes.
Strong reserves beyond what's used for income calculation strengthen your application.
Consider portfolio lending for unique property types or complex structures.
How to Get Started
Your path to homeownership — simplified.
Wealth Review
We analyze your total financial picture — assets, income sources, and goals.
Program Design
We structure the best financing using asset depletion, jumbo, or portfolio tools.
Execute
Efficient, discreet processing for sophisticated borrowers.
Frequently Asked Questions
Yes. Asset depletion programs calculate a qualifying "income" from your liquid assets without requiring any employment or traditional income documentation.