Flexible Qualification and Attractive Loan Options

Our Asset Depletion and Asset Qualifier loan programs are designed to meet the needs of clients with significant assets but limited income.


Asset Depletion Loan


Turn assets into supplemental income with our simple calculations:  

  • (Standard) Option 1: Assets ÷ 84 = Monthly Income

  • (Standard) Option 2: Assets ÷ 60 = Monthly Income

  • (Alt) Option 3: Assets ÷ 36 = Monthly Income

  • (Alt) Option 4: Assets-in-full equal to or greater than loan amount, no income calculation

 

Here are just some of the niches that are permissible under some of our Asset qualification loan products:  

  • 50% of Bitcoin balances

  • 100% of IRAs and 401Ks (no age restriction)

  • No income docs or employment info required

  • Three different calculation methods

  • Up to 90% LTV (no MI)

  • Credit score down to 600

  • ARMs, Fixed rate, and Interest Only options

  • Up to 75% LTV for investment properties

  • Loan amounts to $4MM

Work with an Expert Mortgage Consultant

22 Years Experienced as Loan Originator, 3 years as underwriting , 2 years as appraiser.

At Generation Mortgage Associates LLC , we partner with over 50 top lenders nationwide to find the best mortgage loan tailored to your specific needs. Regardless of your financial situation, credit history or income, we can secure a mortgage for you.


Our agents possess extensive expertise in the real estate market, staying ahead of trends and understanding property values. This enables them to offer you tailored, insightful guidance specific to your needs and goals.

Whether you prefer face-to-face meetings or virtual consultations, we are accessible and ready to assist. Trust us for a smooth and stress-free financing journey.

© Copyright 2026. All rights reserved by Generation Mortgage Associates LLC

Company NMLS#: 224585

1155 Pasadena Ave S - Suite H - South Pasadena, FL 33707

This website has not been reviewed, approved or issued by HUD, FHA or any governmental agency.