Interest-only and asset depletion loan leads
Retirees and savers who qualify on what they own, plus buyers who want a lower early payment.
Interest-only and asset depletion loan leads reach borrowers who are rich in savings and thin on paychecks, or who want a smaller payment for the first years. A retiree with a large portfolio and no salary looks bad on a standard income review. We find them, ask what they hold, and send each inquiry to one loan officer.
- Asset types and rough size captured
- Interest-only or asset qualification interest noted
- Exclusive to you and never resold
Watch it in 42 seconds
A 42-second explainer from the Amplify Leads team: interest-only and asset depletion, for borrowers rich in savings.
What interest-only and asset depletion leads look like when they reach you
Who
Retirees, investors, business sellers and high earners with irregular pay, plus buyers who want an interest-only period.
What they hold
Savings, brokerage or retirement accounts in rough ranges, and whether they draw regular income from them.
What they want
To buy or refinance by using assets as qualifying income, or to keep early payments low on purpose.
Both products are offered by a narrow set of lenders, and terms vary widely. Confirm your program rules before buying volume.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: non-QM leads, jumbo loan leads, and bank statement leads. Or see mortgage leads by state.
Who has plenty of money and no paycheck?
More people than you would expect. A recently retired executive living off a portfolio. A founder who sold a company and is deciding what is next. A widow with life insurance proceeds and savings. A landlord whose rental income is offset on paper. A high earner paid mostly in stock. All of them have wealth and little documented monthly income, which standard underwriting punishes. Interest-only borrowers are a different crowd: they want cash flow flexibility, perhaps to invest the difference or because they expect income to rise.
What makes an asset-based inquiry worth a call?
Size and type of assets, first. Liquid accounts like brokerage and savings usually matter more than a house or a private business stake. Next is purpose: a primary residence, second home or investment. Then the down payment and credit. A strong inquiry has assets that clearly cover the loan and a borrower who understands this is a specialty product. A weak one comes from someone with a lot of home equity and no liquid savings, or a person who wants interest-only because they cannot afford the full payment. That second case should be a polite no.
What does the qualifying form ask?
We ask about assets in ranges so nobody feels interrogated. Borrowers at this level dislike handing over account numbers on a web form, and they should not have to.
- Roughly how much do you hold in savings and investment accounts?
- Do you have regular income from a job, pension or business?
- Are you interested in an interest-only payment period?
- Is this a primary home, second home or rental?
- What is your approximate credit range?
How do you advertise to people who are comfortable but unconventional?
Tone matters here. These borrowers are not desperate, so ads sound confident and specific: your assets may count even without a salary. Audiences skew older and more affluent, within Meta's limits for housing and credit ads. Facebook reaches retirees well. Google picks up searches on asset-based mortgages, fewer but high intent. The landing page promises a discussion of how assets can be used to qualify, never a guaranteed outcome. Calls beat texts here. Reply the same business day and expect longer, more careful conversations.
Which compliance rules apply to specialty payment structures?
Ability-to-repay rules apply to non-QM loans, and interest-only features come with disclosure expectations about how payments change. Never imply that income or assets go unchecked. If an ad shows a payment, Regulation Z trigger terms can require extra disclosures, so we avoid quoting figures. Calls and texts require TCPA consent, which the form captures. Meta's special ad category limits targeting on housing and credit ads. Rules and licensing vary by state, so confirm the wording with your compliance contact before launch.
Before you reach out
What is asset depletion?
It is a way to qualify using assets in place of income. The lender counts eligible assets as if they were drawn down over time to produce monthly qualifying income. Which assets count and how they are calculated depends on the lender.
Are interest-only borrowers risky?
They can be, which is why lenders set their own limits and why the borrower should understand the payment change after the interest-only period. A good call explains that clearly.
Do you verify assets?
No. Borrowers give rough ranges on the form, and you verify real balances with statements once you are working the file.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.