Make Your Assets Work

Building substantial assets can provide financial flexibility, and an Asset Depletion Loan may help eligible borrowers leverage those resources when pursuing a mortgage. This option can be particularly relevant for borrowers who have significant investments or savings but receive limited income from traditional employment. John Aranda takes the time to understand your assets, financial objectives, and property plans before helping you evaluate available mortgage solutions. With clear communication and personalized guidance, you can better understand the qualification process and determine whether an Asset Depletion Loan may be appropriate for your needs.
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Designed Around Your Finances

Your financial strength is not always defined by a traditional paycheck. Asset Depletion Loans can provide eligible borrowers with another way to demonstrate their ability to repay a mortgage by considering qualifying assets as part of the overall financial picture. Requirements can vary based on the lender, loan program, credit profile, property, and amount of eligible assets. John Aranda can review your circumstances and help you explore potential options.
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Qualify With Your Assets

Asset Depletion programs may calculate qualifying income by converting eligible liquid assets into a monthly income amount. Depending on the specific program, qualifying assets may include certain investment accounts, savings, and other eligible financial resources. This approach can provide an alternative for borrowers whose available assets are stronger than their documented monthly income. John Aranda can help you understand which assets may qualify and what program requirements may apply.
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Advantages of Asset Depletion Loans

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Direct Wholesale Rates – Access competitive interest rates and flexible lending products through Barrett Financial Group’s extensive network of wholesale mortgage lenders.

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Down Payment Assistance – Explore Arizona grant programs and silent second loans designed to significantly reduce or eliminate your out-of-pocket costs at closing.

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Fast & Efficient Closings – A streamlined process that saves you time and reduces stress.

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Dedicated Support – One-on-one assistance to ensure clarity at every stage of the journey.

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Turn Your Assets Into Opportunity

For borrowers with substantial savings and investments, traditional income documentation may not always reflect their full financial strength. Asset Depletion Loans can allow eligible borrowers to use qualifying assets as part of the income qualification process. This approach may be especially useful for retirees, investors, and individuals with significant liquid assets but limited traditional income. John Aranda can help you explore whether this option fits your financial profile and mortgage goals.
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Why Work With Osvaldo "Wally" Olivares At Barrett Financial Group?

Osvaldo “Wally” Olivares is committed to making the mortgage experience clear, personalized, and easier to navigate. Whether you are purchasing your first home, accessing down payment assistance grants, or exploring competitive financing options across Arizona, he takes the time to understand your goals and financial circumstances. With access to a diverse range of mortgage solutions, Wally helps you explore options that fit your needs. His approach is centered on clear communication, responsive service, and thoughtful guidance from application through closing.

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Your mortgage journey deserves attentive service from start to finish. Osvaldo “Wally” Olivares remains focused on providing dependable support throughout.

Different financial situations require different mortgage options. A broad range of DPA programs helps you explore solutions suited to your goals.

 

Mortgage decisions should be easy to understand. You will receive clear answers, timely updates, and dedicated support throughout the process.

 

Every borrower has different goals and circumstances. Osvaldo “Wally” Olivares provides guidance tailored to your individual mortgage needs.

 

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"FAQs"

Down Payment Assistance includes grants, non-repayable gifts, or second mortgages that help buyers cover their required down payment and closing costs when purchasing a primary residence in Arizona.

Not always! While many DPA programs target first-time buyers (anyone who hasn’t owned a home in the last 3 years), several Arizona assistance programs are available to repeat buyers depending on location and income.

Most DPA programs require a minimum credit score starting around 620 to 640. However, options vary depending on whether you choose an FHA, VA, USDA, or Conventional underlying loan structure.

It depends on the specific program. Some programs offer 100% forgivable grants after a certain period of living in the home, while others offer low-interest or zero-interest second mortgages that are repaid upon refinancing or selling.

Simply complete our online application or contact Osvaldo “Wally” Olivares directly at (928) 580-4142. We will review your income, assets, and credit profile to match you with the best available assistance options.

Let’s Find the Right Path Forward

Ready to take the next step toward your homeownership goals? Osvaldo “Wally” Olivares is here to answer your questions, review your options, and provide personalized mortgage guidance based on your unique situation. Whether you are ready to apply for down payment assistance or simply want to explore your possibilities across Arizona, reach out today and let’s start the conversation.