Unlock the Power of Your Assets
Asset Depletion Loans allow borrowers to qualify for a mortgage based on their liquid assets rather than traditional employment income. Instead of relying on W-2s, pay stubs, or tax returns, lenders use your savings, investments, or retirement funds to calculate an income stream that supports your loan. At Equity Partners USA, we specialize in helping high-net-worth individuals leverage their assets to achieve their homeownership goals.
Ideal for Retirees and Investors
This loan program is especially beneficial for retirees, self-funded individuals, and investors who may not show steady income on paper but have significant financial reserves. By converting your assets into qualifying income, Asset Depletion Loans open the door to mortgage approval without the need for traditional earnings. Whether you’re purchasing a primary residence, second home, or investment property, we ensure your financial strength works in your favor.
Flexible Qualification Standards
Unlike conventional mortgages, Asset Depletion Loans provide flexibility for borrowers with unique financial profiles. You don’t need active employment or business income to qualify—your assets do the heavy lifting. This is particularly advantageous for those with strong portfolios in stocks, bonds, or retirement accounts who want to use their wealth strategically while maintaining financial freedom. Our team carefully structures your loan so that it aligns with your long-term financial plans.
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
Tailored Solutions for Unique Borrowers
At Equity Partners USA, we understand that no two borrowers are alike. That’s why our Asset Depletion Loans are customized to meet your specific situation. We guide you through the qualification process, evaluate your assets in detail, and design a mortgage solution that fits your lifestyle. With our expertise, you can enjoy a stress-free experience and turn your financial reserves into a powerful tool for securing your next home.
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
