Asset Depletion Loan Program

The Asset Depletion Loan Program is designed for borrowers who have significant assets but limited traditional income. This loan option allows qualified individuals to use their savings, investments, or retirement funds as income for mortgage approval. It is ideal for retirees, business owners, and high-net-worth individuals seeking flexible financing. By converting assets into qualifying income, this program opens new homeownership opportunities. It provides a smart solution for those with strong financial reserves.
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A Smarter Way to Qualify Using Your Assets

Instead of relying solely on pay stubs or tax returns, this program evaluates your available assets to determine loan eligibility. Funds held in checking accounts, savings, investment portfolios, and certain retirement accounts may be considered. This approach offers flexibility for borrowers whose income may fluctuate or be difficult to document. It simplifies the qualification process while maintaining strong lending standards. The result is a more accessible mortgage solution.
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Tailored Mortgage Solutions for Your Needs

Every borrower’s financial situation is unique, and this program is structured to reflect that. You’ll receive personalized loan options based on your asset profile and homeownership goals. Professional guidance ensures you understand each step of the process clearly. From pre-approval to closing, the experience is designed to be smooth and efficient. The focus is on helping you secure the right loan with confidence.
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Benefits of Asset Depletion Loan Program

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Qualify using assets instead of traditional income

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Ideal for retirees and self-employed borrowers

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Flexible documentation requirements

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Competitive loan terms and rates
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Expert Support Throughout the Process

Navigating asset-based lending can be complex without the right expertise. This program connects you with experienced professionals who understand asset depletion guidelines. You’ll receive clear explanations and honest advice from start to finish. The goal is to remove stress and ensure a successful loan experience. With trusted support, you can move forward with peace of mind.
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Why Choose Price Mortgage for Your Loan Needs

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

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Why Choose Randy Bongard at Price Mortgage?

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

talk to a loan specialist

"FAQs"

I offer access to a wide range of loan programs, including conventional, FHA, VA, jumbo, refinance, and investment property loans. Because I work as a mortgage broker, I can explore multiple options to find the loan that best fits your goals and financial situation.

As a mortgage broker, I’m not limited to one lender’s products. This allows me to compare multiple loan programs and rates to find the most competitive and suitable option for you, rather than a one-size-fits-all solution.

The timeline can vary based on the loan type and your specific situation, but most home loans are completed within 30 to 45 days. I stay closely involved throughout the process to keep things moving smoothly and on schedule.

Absolutely. I work closely with first-time buyers to explain every step, review available programs, and help make the process clear and comfortable from application to closing.

To begin, you’ll typically need basic financial details such as income, assets, credit history, and the estimated purchase price or loan amount. Once you reach out, I’ll guide you through exactly what’s needed based on your situation.

Begin Your Home Financing Journey Today

Randy Bongard with Price Mortgage specializes in flexible loan programs designed to meet diverse financial needs. With a client-focused approach and in-depth knowledge of asset-based lending, Randy helps borrowers unlock new opportunities. The Asset Depletion Loan Program is built to make homeownership possible using the strength of your financial portfolio. Whether you’re purchasing or refinancing, expert guidance is always available. Fill out the form below to take the first step toward your new home.