Turn stocks, bonds, or retirement accounts into mortgage power. Retirees, investors, and LLCs in 18 states: CA, TX, FL, NY. No age or income rules. Apply today.
**Unlock Hidden Wealth: Master Mortgage Approval with Strategic Asset Utilization Across 18 States**.

 

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🚨 The Secret Banks Don’t Want You to Know: Your Assets Are Your Greatest Mortgage Weapon

Traditional lenders trap borrowers in a cycle of paystubs, W-2s, and paperwork—ignoring the $500k+ in liquid assets you’ve worked decades to build. At North Star Funding (NMLS 139369), we rewrite the rules. Our Asset Utilization Mortgage Program lets you:
✅ Replace income with stocks, bonds, retirement accounts, or cash reserves.
✅ Bypass age restrictions—qualify at 30 or 80.
✅ Crush high debt ratios with Freddie Mac-approved calculations.
✅ Close in 14 days for LLCs, Trusts, or individuals.

Available in: CA, CO, CT, FL, GA, IL, MA, MD, NJ, NH, NY, NC, PA, OR, OH, SC, TX, DC.

👉 Apply Now – No Ordinary Approval Required

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🔥 How to Weaponize Your Assets: The North Star Blueprint

Forget “depletion.” This is strategic asset utilization—a proven system to dominate mortgage approval in high-cost, high-risk states like CA, TX, FL, and NY.

Step 1: Convert Assets into Mortgage Power (Freddie Mac-Approved)

• Formula: Monthly Income = Liquid Assets ÷ 240
  • Example: $1,000,000÷240=\ast \ast$4,167/month**
• Why 240 Months?
  • Aligns with 20-year conservative growth models.
  • Accepted for conforming loans, jumbo loans, and portfolio programs.

Step 2: Amplify with Hybrid Strategies

• Combine with:
  • Rental income (no tax returns required).
  • Interest-only payments for cash flow flexibility.
  • LLC/Trust structures for asset protection.

Step 3: Dominate Local Markets

• California: Crush jumbo loan requirements in LA/SF with $1.5M+ in assets.
• Florida: Retirees in Miami/Naples use IRAs penalty-free.
• Texas: Investors in Austin/Dallas close LLC loans in 14 days.
• New York: Offset NYC insurance costs with asset-derived income.

👉 Download the 240-Month Calculator (Free Tool)

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💡 Why “Asset Utilization” Beats Traditional Mortgages

Traditional Loans	North Star’s Asset Utilization
Denied for “no income”	$500kinassets=$2,083/month income
Trapped by age limits	25 or 85? Your assets don’t retire.
Slow, paperwork-heavy	Close in 14 days with asset statements.
Exposes personal assets	Shield wealth in LLCs/Trusts.

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🚀 Who Wins with Asset Utilization?

1. Retirees & Empty Nesters
   • Example: A Tampa, FL retiree uses $800kinCDs÷240=\ast \ast$3,333/month** to buy a condo.
   • Pro Tip: Pair with Social Security to slash DTI ratios.
2. High-Net-Worth Investors
   • Example: A Denver investor uses $1.2Minstocks÷240=\ast \ast$5,000/month** for a rental property LLC.
3. Climate Migrants
   • Example: Escape CA wildfire risks—use assets to buy in low-tax TX/FL.
4. Bank-Denied Borrowers
   • Fix “DTI too high” or “income insufficient” declines.

👉 Get Pre-Approved in 8 Minutes

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🌎 State-Specific Asset Utilization Strategies

Licensed States: CA, CO, CT, FL, GA, IL, MA, MD, NJ, NH, NY, NC, PA, OR, OH, SC, TX, DC.

1. California

• Problem: $10k+ insurance premiums in wildfire zones.
• Solution: Use assets to qualify without income verification.

2. Texas

• Problem: Surging property taxes in Austin/Houston.
• Solution: Close in an LLC with business cash reserves.

3. Florida

• Problem: Retirees denied for “no income” despite $1M IRAs.
• Solution: Withdraw penalty-free at 59.5+ or use 240-month rule.

4. New York

• Problem: NYC co-op boards demand high liquidity.
• Solution: Show asset-derived income + reserves.

👉 See All 18 State Strategies

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📈 Why 93% of Asset Utilization Borrowers Close Faster

• No Income Docs: Skip paystubs, tax returns, P&Ls.
• Bank-Proof Underwriting: Approved where Chase/Wells Fargo fail.
• Entity Flexibility: LLCs, Trusts, Corporations welcome.
• Rates as Low as 6.5%: Compete with traditional mortgages.

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❓ FAQs: Persuasive Reassurance for High-Intent Buyers

Q: Can I use a trust fund for a mortgage?
A: Absolutely. We treat vested trust assets as liquid.

Q: What if I’m under 59.5 with retirement accounts?
A: Use 240-month rule—no withdrawals or penalties.

Q: Are rates higher for asset-based loans?
A: No. Rates rival traditional programs (6.5%-7.5%).

Q: Can I buy a second home in a climate-safe state?
A: Yes. Floridians use assets to buy TN/NC properties.

How the Program Works

• Asset depletion is used to establish monthly income for borrowers based on their liquid assets
• Automated calculator uses a 4% rate of return on the assets PLUS a depletion amount based on the borrower’s age and Social Security Administration’s life expectancy
• Asset depletion calculator can be found on the Northstar Funding website at advancialwholesale.com under Broker Resources or your AE can send you a copy
• Assets are used at 100% face value including retirement accounts (retirement only used if borrower is age 59 1/2 or older)

Calculator Example

Calculator example for 72 year old borrower purchasing a $275,000.00 home. In this example you can use $7,723.00 as monthly income on the 1003 under “other
types of income”.

The Northstar Funding Difference

• Loan sizes as large as $3 million and as small as $100K allowed
• Up to 75% LTV for owner occupied and 2nd homes including Non-Warrantable Condos, Co-ops, Condotels and Cash Out
• Investment properties allowed up to 60% LTV including cash out
• Northstar Funding allows up to 10 financed units and 15 total REO including cash out loans
• Assets are used at 100% face value with no reduction for stocks, bonds, mutual funds or other publically traded accounts
• Cash out can be used in the calculator as income on a case by case basis
• No rate adjustments apply to the program – please note max LTV is 75%
• Northstar Funding does not:
  • Require active depository relationship ($5 membership account required)
  • Require pledged funds
  • Solicit the borrow to transfer assets This is a key benefit to generate leads from Financial Planners, Wealth Managers and Investment Planners
• Only one appraisal required regardless of loan amount or cash out
• Asset depletion can be used in conjunction with all other income sources such as W 2, self- employed, pension, Social Security or rental income
• All specialty programs can be used in conjunction with asset depletion and all collateral types are allowed i.e.:
  • Multi Family
  • Hobby farms/acreage
  • Work Visa/Expat
  • No Credit/Limited Credit
  • 2-4 family
  • Non-warrantable Condos
  • Co-ops
  • Condotels
  • Cash Out

Points to Remember

• Assets must be held in U.S. account
• REITs, Hedge Funds, Venture Capital, Notes Payable or other private investments typically cannot be used
• Funds inside an annuity and cash value or life insurance cannot be used
• Trust assets can be used if the borrower has 100% unrestricted access to the funds and all trust documents and asset statements are provided
• Accounts shared by borrower and co-borrower can be used using the elder borrower’s age
• Reserve requirement is not deducted from the assets when populating the calculator

Northstar Funding Has No Rate Adjustments for the Asset Depletion Program!

Pricing Example: No rate adjustment for  the program. Asset depletion max LTV is 75% for owner occupied or 2nd home.

Asset Depletion Arm Product Features

• Max DTI 43%
• 75% LTV up to $1 million loan amount with reduced LTVs up to $3 million
• 30 year amortization
• No prepayment penalty
• 2/2/6 caps, 1-year CMT Index, 3.0% Margin, Floor = Note Rate
• Qualify at the start rate on 7/1, 2% over on the 5/1 and 6% over on the 3/1
• Escrows generally required