Asset Based Lending California — Resolution Equity
Asset Based Lending
Qualify using your liquid assets — ideal for retirees, high-net-worth borrowers, and those with significant savings but limited income.
Key Benefits
- Qualify using liquid assets, not income
- No employment or income verification
- Ideal for retirees and high-net-worth borrowers
- Checking, savings, investment accounts eligible
- Retirement accounts may qualify (with haircut)
- Loan amounts up to $3M+
- Primary, second home, and investment
- Fixed and ARM options
About Asset Based Lending
Asset-based lending (also called asset depletion or asset dissipation) allows borrowers to qualify for a mortgage using their liquid assets rather than traditional income. Lenders divide your eligible assets over a set number of months to create a qualifying monthly income figure. This is an excellent option for retirees, investors, and high-net-worth individuals who have substantial assets but limited W-2 or self-employment income.
How Asset Depletion Works
Lenders take your total eligible liquid assets and divide them by the loan term (e.g., 360 months for a 30-year loan) to arrive at a monthly qualifying income. For example, $1,800,000 in assets ÷ 360 months = $5,000/month qualifying income.
Eligible Assets
Eligible assets typically include checking and savings accounts, money market accounts, stocks, bonds, mutual funds, and ETFs. Retirement accounts (IRA, 401k) may be counted at 60–70% of their value. Real estate equity is generally not included.
Who Benefits Most
This program is ideal for retirees living off savings, tech professionals with significant stock portfolios, business owners who have sold their business, and anyone with substantial liquid wealth but limited monthly income on paper.
Questions About Asset Based Lending?
Our licensed team in Temecula is ready to walk you through your options and get you pre-qualified fast.