Question 1

How much in assets do I need to qualify in Calistoga?

Accepted Answer

It depends on the loan amount and which lender's formula applies. Run the numbers with a broker before you make an offer.

Question 2

Do retirement accounts count toward asset depletion?

Accepted Answer

Yes, but lenders typically discount them 30–40%. Know the net figure, not just your account balance.

Question 3

Can I use this loan for a second home in Calistoga?

Accepted Answer

Yes. Many lenders allow asset depletion on second homes. Reserve requirements may be higher than for a primary residence.

Question 4

Is asset depletion harder to get than a conventional loan?

Accepted Answer

It's different, not necessarily harder. You need significant liquid assets and a strong credit profile.

Question 5

How long must assets be seasoned to count?

Accepted Answer

Most lenders require 60 days of account statements. Some want 12 months of seasoning for large deposits.

Asset Depletion Loans in Calistoga, CA