08/13/2026
Got a cash-heavy client who struggles to qualify on traditional tax returns? Big news. 🚨
Freddie Mac just announced major enhancements to their Asset Depletion guidelines—and while the official industry deadline isn't until February 2027, we are implementing these changes EFFECTIVELY IMMEDIATELY. ⚡
Translation? You don't have to wait to get your asset-heavy buyers into homes.
Here is what changed and why it matters for your deals:
33% Higher Qualifying Income: The division factor dropped from 240 months down to 180 months. This instantly boosts your buyer’s qualifying purchasing power.
No More Age Limits for Savings & Stocks: Buyers no longer need to be 62+ to use liquid depository accounts or securities for asset depletion.
All Occupancy Types Allowed: Primary homes, second homes, and investment properties now qualify, with LTV restrictions removed!
Low Barrier to Entry: Minimum required balance is just $30,000 in eligible accounts.
(Note: Retirement accounts like 401ks/IRAs can still be used once the buyer has penalty-free access, typically at age 59½).
Who is this perfect for in your database?
Self-employed buyers with high liquid assets but low taxable income.
High-net-worth buyers under age 62 looking for an investment or second home.
Clients who were previously turned down or fell just short on traditional debt-to-income ratios.
If you have a client sitting on the sidelines or a past buyer who couldn't quite make the numbers work, let’s re-calculate their purchasing power today.
📩 Send me a DM or text me direct—let's get these buyers pre-approved before the weekend!
