Your Santa Barbara Dream Home Awaits— Qualify With Assets, Not Tax Returns
You've built substantial wealth through smart investing and successful careers. Your portfolio speaks for itself. Why should a bank demand tax returns when your assets tell the whole story? Asset depletion mortgages let your wealth work for you.
Marin Inventory Is Extremely Limited
Mill Valley and Tiburon see fierce competition for every listing. When the right property appears, you need to move fast. Get pre-approved now.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"Marin County attracts successful people who've built wealth on their own terms— entrepreneurs, tech executives, creative professionals. Many have complex tax situations that don't reflect their true financial strength. Asset depletion lets me see the full picture and close deals that traditional lenders can't."
Serving All Marin County Communities
Mill Valley & Corte Madera
Redwood canyons, vibrant downtown, top schools. Tech executives and creative professionals drawn to the natural beauty. Median prices around $1.9M with fierce competition for updated homes.
Tiburon & Belvedere
Waterfront luxury with San Francisco skyline views. Many buyers are retirees or executives with substantial assets but variable income. Perfect for asset depletion programs.
Ross & Kentfield
Ultra-exclusive with some of the highest per-capita wealth in California. Large estates often require jumbo financing beyond $3M. We specialize in these complex transactions.
San Rafael & Terra Linda
More accessible price points with excellent schools. Popular with young families and first-time buyers. FHA and VA programs available down to 500 credit scores.
Sausalito & Larkspur
Artists, entrepreneurs, and remote workers attracted to the creative energy. Unique properties including houseboats often require flexible lending solutions we specialize in.
Novato & San Anselmo
Growing communities with excellent value. Self-employed professionals and 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:
$3,000,000 in liquid assets ÷ 360 months = $8,333/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 Marin County
If you're a veteran with full entitlement, there is no maximum loan amount for VA loans in Marin County. That $2.5M home in Tiburon? 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 Marin VA Closing
Property
Single Family Home, Mill Valley
Purchase Price
$1,850,000
Down Payment
$0
Days to Close
23 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 Marin County?
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 Santa Barbara's competitive market.
Do you work with Marin County real estate agents?
Absolutely. We have established relationships with top agents in Mill Valley, Tiburon, San Rafael, and throughout Marin. 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.