East Bay Living, Simplified Financing— Qualify With Assets, Not Tax Returns
From Piedmont's tree-lined streets to Danville's rolling hills, the East Bay attracts successful professionals who've built wealth on their own terms. Your investment portfolio tells your story—let it qualify you for your next home.
East Bay Inventory Moving Fast
Piedmont and Orinda homes often receive multiple offers within days. Get pre-approved now so you're ready to compete.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"The East Bay is home to UC Berkeley professors, tech executives, medical professionals, and entrepreneurs. Many have substantial retirement accounts and investment portfolios but complex tax situations. Asset depletion lets me see the full picture and get deals done."
Serving All East Bay Communities
Piedmont
Exclusive enclave surrounded by Oakland with top-rated schools and stunning historic homes. Median prices around $2.3M. Perfect for asset depletion programs with high-net-worth buyers.
Orinda & Lafayette
Lamorinda's crown jewels with excellent schools, BART access, and family-friendly communities. Many buyers are executives with complex compensation packages we specialize in.
Danville & Alamo
San Ramon Valley's premier communities with larger lots and luxury estates. Popular with retirees and business owners who benefit from our asset depletion and bank statement programs.
Walnut Creek
Vibrant downtown, excellent dining, and diverse housing options. Attracts professionals and empty-nesters. Our programs work for condos, townhomes, and single-family homes.
Berkeley & Rockridge
University community with professors, researchers, and creative professionals. Many have sabbatical income patterns or consulting work that traditional lenders struggle with.
Moraga & Pleasant Hill
Family-oriented communities with excellent value. Self-employed professionals and small business owners benefit from our bank statement and P&L programs that don't require tax returns.
How Asset Depletion Works
The Calculation
We take your eligible liquid assets and divide by the loan term (typically 360 months for a 30-year mortgage) to calculate monthly qualifying income.
Example:
$2,500,000 in liquid assets ÷ 360 months = $6,944/month qualifying income
This income is used to qualify you for the mortgage—no tax returns, no employment verification, no pay stubs required.
Eligible Assets
- 100%: Checking, savings, money market, brokerage accounts
- 70%: Retirement accounts (401k, IRA, SEP) even if under 59½
- Vested stock options and RSUs with documented value
- Trust assets where you're the beneficiary
VA Loans With NO Limit in the East Bay
If you're a veteran with full entitlement, there is no maximum loan amount for VA loans in Alameda or Contra Costa County. That $2M home in Piedmont? Finance it with $0 down and no PMI.
- $0 down payment regardless of purchase price
- No private mortgage insurance (PMI) ever
- Competitive rates typically lower than conventional
- Manual underwriting available for credit challenges
Recent East Bay VA Closing
Property
Single Family Home, Orinda
Purchase Price
$1,650,000
Down Payment
$0
Days to Close
21 days
Frequently Asked Questions
Can I qualify with assets in retirement accounts?
Yes! We can use 70% of your retirement account balances (401k, IRA, etc.) for asset depletion calculations, even if you're not yet 59½. Brokerage accounts, savings, and other liquid assets are counted at 100%.
How fast can you close in the East Bay?
Our standard timeline is 21-25 days from contract to close. For well-prepared buyers with verified assets and responsive sellers, we've closed in as few as 14 days. Speed matters in the competitive East Bay market.
Do you work with East Bay real estate agents?
Absolutely. We have established relationships with top agents in Piedmont, Orinda, Lafayette, Danville, and throughout the East Bay. They know our pre-approval letters are solid and our closings are reliable.
What credit score do I need?
For asset depletion programs, we typically work with credit scores of 660+. For VA loans, we offer manual underwriting down to 500 credit scores. Every situation is unique—let's discuss yours.