The Texas Mortgage Pros Launches Asset Depletion (Asset Qualifier) Loans for Texas Homebuyers and Investors

September 02, 2025 at 17:35 PM EDT

The Woodlands, Texas - The Texas Mortgage Pros, NMLS #2665861, announced the rollout of Asset Depletion Loans (also known as Asset Qualifier Loans), a modern Non-Qualified Mortgage (Non-QM) option designed for creditworthy borrowers whose wealth is concentrated in assets rather than W-2 income. The new program helps Texans qualify for home financing by converting eligible, verifiable assets into an income stream for underwriting. This approach can open doors for retirees, entrepreneurs, and savvy investors across the state. Notably, this Asset Depletion approach is ideal for high-net-worth retirees who have substantial wealth but may have low annual income, allowing them to purchase or refinance a home just like a traditional mortgage loan without needing to sell or liquidate their valuable assets.

"Traditional underwriting often overlooks strong asset positions when tax-return income doesn't tell the full story," said Jason Turner, NMLS #286357, Mortgage Broker at The Texas Mortgage Pros. "Our Asset Depletion program recognizes real financial strength by translating liquid assets into qualifying income, bringing clarity, flexibility, and speed to borrowers who deserve it."

Prospective borrowers can learn more and start an application here: https://thetexasmortgagepros.com/loans/non-qualified-mortgage/asset-depletion/

What is an Asset Depletion (Asset Qualifier) Loan?

An Asset Depletion Loan is a Non-QM mortgage where eligible, liquid assets (e.g., cash, savings, marketable securities, and other verifiable funds) are used to calculate an equivalent monthly income for loan qualification. Rather than relying primarily on tax returns or traditional employment documentation, lenders evaluate the borrower's asset base and convert a portion of those assets into qualifying income under program guidelines.

Who Benefits

Retirees with substantial savings and investment accounts but limited monthly income.
Self-employed professionals & entrepreneurs whose tax-efficient returns understate their true buying power.
High-net-worth individuals with significant liquid holdings seeking a streamlined qualification.
Investors and commission-based earners with variable income histories.

Key Features & Advantages

Income via assets: Turns eligible, verifiable assets into qualifying income per program rules, no complex tax-return gymnastics.
Flexible documentation: Alternative to traditional income verification; asset statements and verification drive the process.
Broader property use: Options for primary residences, second homes, and investment properties (program-dependent).
Competitive structures: Fixed-rate and ARM options, interest-only availability on select programs, and common-sense underwriting.
Texas-ready: Designed to serve buyers and owners across Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso, the Hill Country, and beyond.

General Eligibility Snapshot*

Strong, liquid, and verifiable assets sufficient to support the requested loan amount.
Minimum reserves required; exact amounts vary by program and property type.
Credit profile consistent with Non-QM guidelines.
Reasonable LTV/DTI thresholds based on overall risk.

*Final approval subject to full underwriting and program guidelines.

Use Cases Across Texas

Purchase: Win offers with confidence, a qualification that reflects real financial capacity.
Refinance: Re-structure debt, update terms, or access Non-QM flexibility when traditional documentation falls short.
Portfolio building: Align financing with asset strategies for second homes or investment properties (where eligible).

How It Works (At a Glance)

Review & Strategy: The Texas Mortgage Pros assess goals, property scenarios, and asset profiles to determine the best course of action.
Document Assets: Provide recent statements for checking, savings, brokerage, and other eligible accounts.
Asset-to-Income Calculation: Underwriting converts a qualifying portion of assets into monthly income pursuant to program rules.
Approval & Close: Move from approval to clear-to-close with dedicated guidance at each step.

About The Texas Mortgage Pros

The Texas Mortgage Pros is a local, Texas-based mortgage broker dedicated to providing personalized lending solutions tailored to real-world borrower profiles. From Conventional, FHA, VA, and USDA options to non-QM choices like Bank Statement, DSCR, and Asset Depletion loans, the firm pairs experienced loan advisors with efficient processes to help clients compete and close with confidence across the Lone Star State.

Learn More & Apply

For program details, eligibility guidance, and next steps, visit: https://thetexasmortgagepros.com/loans/non-qualified-mortgage/asset-depletion/

This release contains general information and is not a commitment to lend. All loans are subject to credit approval, property eligibility, and complete program guidelines.

Email: jason@thetexasmortgagepros.com

Media Contact

Name
The Texas Mortgage Pros
Contact name
Jason Turner, NMLS #286357, Mortgage Broker
Contact phone
(877) 280-4833
Contact address
2001 Timberloch Pl #500
City
The Woodlands
State
Texas
Zip
77380
Country
United States
Url
https://thetexasmortgagepros.com/