Case Studies
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Asset-Depletion Mortgage in Charlottesville, VA
Converted liquid assets into qualifying income to buy without traditional employment.
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Retiree Win: Asset-Depletion in Charlottesville
Fixed income didn't reflect ability to repay; assets did.
The Challenges
- Traditional income too low to qualify
- Needed a compliant way to count assets
The Playbook
- Verified liquid assets and applied lender's depletion formula
- Reserved assets per guidelines
- Coordinated appraisal + title around travel schedule
- Used mobile notary for a simple closing
Outcome
- Approved and closed with no last-minute fires
- Payment set within comfort range
- Buyer relocated closer to family
Coach's Tips
- Season assets in liquid accounts before pre-approval
- Ask us to compare depletion formulas if options exist
- Align travel with closing milestones early
Download PDF: Asset-Depletion Mortgage in Charlottesville, VA
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