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Villa Park is one of Orange County's wealthiest enclaves. High net worth buyers here often have deep portfolios but limited W-2 income.
Asset depletion loans were built for exactly this profile. Your brokerage account can qualify you — your pay stub doesn't have to.
680 (typical)
Min Credit Score
60 days minimum
Asset Seasoning
None (asset-based)
Income Docs Required
20%+ typical
Down Payment
Non-QM
Loan Type
Asset Depletion Loans in Villa Park
Lenders divide your eligible assets by a set number of months — typically 60 to 360 — to calculate monthly income. That number replaces your pay stub.
Eligible assets include checking, savings, brokerage, and retirement accounts. Vested retirement funds usually get a discount applied before calculation.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Villa Park.
Villa Park is one of Orange County's wealthiest enclaves. High net worth buyers here often have deep portfolios but limited W-2 income.
Asset depletion loans were built for exactly this profile. Your brokerage account can qualify you — your pay stub doesn't have to.
Lenders divide your eligible assets by a set number of months — typically 60 to 360 — to calculate monthly income. That number replaces your pay stub.
Most banks won't touch asset depletion. It's a non-QM product, meaning it falls outside standard agency guidelines.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones have competitive asset depletion programs and realistic approval thresholds.
The biggest mistake we see: borrowers moving assets right before application. Lenders require 60 days of seasoned statements. Move money too late and it won't count.
Diversified asset types can complicate the math. Bring a full picture of your holdings early. We'll map out which assets qualify and which don't.
Bank statement loans work better if you run a business with consistent deposits. Asset depletion fits borrowers with wealth parked in investments, not active revenue.
DSCR loans serve rental investors. Asset depletion serves buyers whose wealth is personal — not tied to a property's cash flow.
Villa Park homes regularly trade at high price points. Jumbo loan amounts are common here — and asset depletion programs can accommodate those loan sizes.
Orange County buyers in this city tend to have concentrated wealth in equities and real estate. We know how to structure those assets for maximum qualifying income.
Checking, savings, brokerage, and retirement accounts typically qualify. Retirement funds are usually discounted before the calculation is applied.
Lenders divide eligible assets by a set number of months to produce a monthly income figure. That figure is used in place of pay stubs.
No. The assets stay in your accounts. Lenders use the balance to calculate income — you don't sell anything.
Most asset depletion programs start around 680. Stronger scores get better pricing. Rates vary by borrower profile and market conditions.
Yes. Asset depletion programs can accommodate jumbo loan sizes. Down payment requirements are typically 20% or more at those amounts.
SRK CAPITAL shops across 200+ wholesale lenders. Most borrowers can't access non-QM pricing without a broker in their corner.