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Asset Depletion Loans in San Ramon
Do I need a job to qualify for an asset depletion loan?
No. Asset depletion loans convert your liquid savings into qualifying income on a fixed monthly schedule, per AmeriHome's non-QM guide. You still need the required credit score and reserves.
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San Ramon's median home price is $1,502,416, down slightly from earlier peaks. Asset depletion loans convert liquid savings into qualifying income on a fixed schedule.
The county's median household income of $125,727 anchors most conventional lending here. Asset depletion borrowers sidestep that income requirement by proving they have investable assets.
680
Minimum credit score
9 months
Minimum reserves
50%
Maximum debt-to-income
$1,500/month
Minimum residual income
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Asset depletion loans for a primary residence require a minimum 680 representative credit score, per AmeriHome's non-QM product matrix. You'll also need a maximum 50 percent total debt-to-income ratio and a minimum of 9 months in liquid reserves.
Your residual income must reach a minimum of $1,500 monthly after all debts and housing costs, per that same guide. The loan amount caps at $3,000,000 for a primary residence.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in San Ramon.
San Ramon's median home price is $1,502,416, down slightly from earlier peaks. Asset depletion loans convert liquid savings into qualifying income on a fixed schedule.
The county's median household income of $125,727 anchors most conventional lending here. Asset depletion borrowers sidestep that income requirement by proving they have investable assets.
Asset depletion loans for a primary residence require a minimum 680 representative credit score, per AmeriHome's non-QM product matrix. You'll also need a maximum 50 percent total debt-to-income ratio and a minimum of 9 months in liquid reserves.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
Asset depletion loans live in the non-QM space—lenders who qualify borrowers on alternative documentation instead of W-2 income. SRK CAPITAL shops these across its wholesale lender network, where asset-conversion schedules vary by lender.
Underwriting focuses on your liquid assets, not your job title. SRK CAPITAL closes these files in 17 to 21 days standard, or 10 days when expedited.
04
Asset depletion makes sense in San Ramon when you have substantial savings but little current employment income. A buyer with significant liquid assets can qualify here on the $1,502,416 median price when income alone would not.
It doesn't make sense if you're still working and earning W-2 employment income. Conventional financing typically fits employed borrowers better.
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Versus conventional financing, asset depletion trades speed for flexibility. Conventional loans generally close faster and require current employment income, while asset depletion does not.
Asset depletion also differs from bank-statement loans, which read business cash flow instead of personal savings. Bank-statement programs fit self-employed borrowers with business deposits.
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Contra Costa County broke ground on a new East County Service Center in Brentwood. That kind of infrastructure investment signals long-term commitment to the region.
Richmond parks are receiving multi-million dollar upgrades including soccer field repairs and modern restrooms. Public investment in amenities matters to families and retirees alike.
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San Ramon sits in a high-cost area for both FHA and VA lending. The 2026 loan limits are $1,249,125 for FHA, VA, and conforming loans in this county.
Non-QM lenders continue to offer asset-depletion programs for California borrowers. SRK CAPITAL's wholesale network includes lenders that write this product.
FAQ
No. Asset depletion loans convert your liquid savings into qualifying income on a fixed monthly schedule, per AmeriHome's non-QM guide. You still need the required credit score and reserves.
Lenders count liquid assets for both down payment and reserves under AmeriHome's non-QM guide, which requires a minimum 9 months in reserves. Your total savings must cover both purposes.
Bank accounts, money market funds, stocks, bonds, and retirement accounts all count. Real estate and vehicles do not count.
SRK CAPITAL closes asset depletion loans in 17 to 21 days standard, or 10 days when expedited. The timeline depends on how quickly you submit asset statements and resolve any appraisal or title questions.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Contra Costa County
Our team of licensed mortgage brokers works Contra Costa County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Contra Costa County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.