Many Alternative Document financing options have changed and new programs are available. Please email your scenario to us at info@orangecountyhomeloans.com and we will get back to you with the available options. Thank you!

California Asset Depletion Loan

It is now possible for national and international borrowers with sufficient assets to qualify for a California home loan with no income or employment with RTC Mortgage’s California Asset Depletion Loan.

California Asset Depletion

Loan Features

  • Borrowers are qualified based on verified liquid assets
  • Credit scores as low as 680
  • Jumbo loan amounts up to $3 million
  • Minimum loan amount $250,000
  • Max cash out $1.5 million
  • Employment and income are not required to be disclosed on the 1003 loan application
  • Possible to use liquid assets with verified income
  • Foreign Nationals allowed

Loan Terms

5/1 ARM – Interest only available

7/1 ARM

10/1 ARM

15 & 30 year fixed

If you think your financial situation makes sense for qualifying for a loan, email us today or call toll free 866-389-2778 or local 808-891-0415 during business hours to see if one of our programs is the loan you have been searching for. Or if you’re ready to get started, click to get pre-qualified to begin your loan application right away.