Question 1

Can I use my IRA without withdrawing money?

Accepted Answer

Yes. Lenders count the current balance divided by 360 months. You never touch the account and avoid early withdrawal penalties entirely.

Question 2

What if my assets are in stocks that fluctuate?

Accepted Answer

Most lenders use a 70-90% discount on equities to account for volatility. A $500,000 portfolio might calculate as $350,000-$450,000 depending on holdings.

Question 3

Do I need to prove where the assets came from?

Accepted Answer

Yes. Expect to provide 60-90 days of statements showing consistent balances. Large recent deposits trigger sourcing requirements to prevent fraud.

Question 4

How much higher is the interest rate?

Accepted Answer

Rates vary by borrower profile and market conditions. As of February 2026, expect 1.5-3% above conventional rates depending on credit and down payment.

Question 5

Can I combine asset depletion with other income?

Accepted Answer

Absolutely. Social Security, pensions, and rental income can supplement the asset calculation. We stack all sources to maximize your qualifying power.

Asset Depletion Loans in Orange Cove: Qualify Using Your Savings, Not Your Paycheck