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10 Best Asset Depletion/Asset Qualifier Mortgage Lenders in Georgia

This ranking identifies the ten best asset depletion and asset qualifier mortgage lenders serving Georgia borrowers in 2024. It is designed for retirees, high-net-worth individuals, and self-employed borrowers who hold significant liquid assets but cannot document income through traditional means. Each lender was evaluated on its Georgia market presence, non-QM product depth, and strength of asset-based qualification programs.

LoanWise Editorial Team

Isometric scene of a Georgia mansion and Atlanta office tower with a small figure reviewing asset documents beside a bank building with open vault doors.

Georgia's real estate market has emerged as one of the most dynamic in the Southeast, driven by strong population inflows, a diversified economy anchored in Atlanta's corporate and logistics sectors, and sustained demand across both urban and suburban submarkets. For borrowers with substantial investment portfolios, retirement accounts, or liquid reserves, navigating this market requires a lender strategy that goes beyond what conventional income documentation can support.

Asset depletion and asset qualifier mortgage programs are specifically designed to fill that gap. Rather than relying on W-2s, tax returns, or traditional employment verification, these programs convert a borrower's verified liquid assets into an implied monthly income stream — or use those assets directly as the qualification basis. This approach is particularly valuable for retirees living off investment accounts, high-net-worth individuals with complex tax profiles, and self-employed borrowers whose reported income understates their actual financial strength.

In Georgia, the relevance of these programs is amplified by the concentration of affluent households in the metro Atlanta corridor and surrounding communities, where buyers frequently compete for high-value properties that fall outside conforming loan limits or require flexible underwriting to close efficiently. Non-QM lenders operating in this space offer a critical alternative to agency mortgage standards that were not designed with asset-rich, income-flexible borrowers in mind.

This ranking was built around several key evaluation factors, including:

  • Georgia-specific market presence and state-level product marketing
  • Depth and clarity of asset depletion or asset qualifier programs
  • Borrower type coverage — including retirees, investors, and primary home purchasers
  • Loan range and property use flexibility
  • Non-QM platform breadth and alternative documentation options

The lenders ranked here represent a spectrum from hyper-local Atlanta specialists to national non-QM platforms with demonstrated Georgia relevance. Whether you are purchasing a primary residence, a second home, or an investment property using liquid assets as your qualification anchor, this list provides a practical starting point for identifying the right lending partner.

#1

Truss Financial Group

Georgia-focused non-QM lender with strong asset depletion emphasis

States

50

Income Docs for Asset Depletion

0 required

Property Use Types

3

Core Georgia Asset-Depletion Pages

5+

Truss Financial Group directly markets asset depletion loans across Georgia for primary homes, second homes, investment properties, retirees, stated income, and cash-out refinance scenarios. Its Georgia-specific coverage and repeated asset-qualifier positioning make it one of the clearest fits for asset-rich borrowers needing flexible mortgage qualification.
#2

Angel Oak Mortgage Solutions

Atlanta-based non-QM leader with asset qualifier program

Operating Footprint

47 states + DC

Headquarters

Atlanta, GA

Primary Focus

Non-QM mortgages

Core Asset Program Count

1

Angel Oak Mortgage Solutions is one of the best-known non-QM lenders in the market and is headquartered in Atlanta, giving it strong Georgia relevance. Its Asset Qualifier program and deep alternative-documentation platform make it highly attractive for borrowers who qualify from liquid assets rather than conventional income.
#3

Griffin Funding

National non-QM lender with Georgia asset-based mortgages

States Served

50

Qualification Method

Assets as income

Georgia Program Pages

1+

Primary Product Category

Non-QM mortgage

Griffin Funding actively promotes Georgia asset-based loans that let borrowers qualify using verified assets instead of standard earned income. It is a strong option for self-employed, retiree, and high-net-worth borrowers who want streamlined non-QM qualification with broad mortgage product support.
4
#4

Custom Mortgage Inc.

Atlanta asset depletion lender with tailored local mortgage service

Minimum Loan Amount

$100K

Maximum Loan Amount

$3M

Starting Rate

7.5%

Metro Focus

Atlanta

Custom Mortgage Inc. promotes Asset Depletion/Utilization lending in Atlanta and positions itself around tailored solutions for local Georgia borrowers. Its local-market orientation and stated loan range make it appealing for borrowers seeking a more customized non-QM mortgage process.
5
#5

LoanStream Mortgage

National non-QM lender with asset qualifier-style options

Primary Focus

Non-QM mortgages

Qualification Style

Asset qualifier-style

State Relevance

Georgia

Product Category Count

Multiple non-QM

LoanStream Mortgage is widely associated with non-QM lending and asset-based qualification structures that fit borrowers outside traditional income documentation. For Georgia brokers and borrowers, it offers strong relevance as a scalable mortgage-specific lender with flexible underwriting.
6
#6

HomeXpress Mortgage Corp.

Flexible non-QM lender with asset-based qualification options

Primary Focus

Non-QM mortgages

Qualification Method

Asset-based options

State Relevance

Georgia

Business Line Count

Mortgage lending

HomeXpress Mortgage Corp. is a recognized mortgage-specific non-QM lender offering flexible documentation approaches, including asset-based qualification paths. It is a useful Georgia option for brokers and borrowers who need alternatives to agency underwriting standards.
7
#7

First National Bank of America

Bank lender offering flexible mortgage qualification for strong-balance-sheet borrowers

Institution Type

Bank

State Relevance

Georgia

Primary Product Category

Mortgage lending

Qualification Style

Flexible/alternative

First National Bank of America is a bank-based mortgage lender with alternative and flexible qualification options that can suit Georgia borrowers with significant assets. While not as narrowly asset-depletion-branded as specialist non-QM shops, it remains relevant for balance-sheet-rich borrowers seeking mortgage solutions outside standard agency rules.
8
#8

Modern Day Lending

Nationwide asset-based mortgage lender active in Georgia

States

50

Minimum Loan Amount

$200K

Loan Amount Cap

No limit

Property Geography

Nationwide

Modern Day Lending markets asset-based loans in Georgia and emphasizes borrower qualification using liquid assets rather than traditional income. Its broad geographic reach and flexible positioning make it relevant for borrowers seeking non-QM mortgage qualification based on reserves and net worth.
9
#9

Deephaven Mortgage

Established non-QM lender supporting flexible asset-driven underwriting

Primary Focus

Non-QM mortgages

State Relevance

Georgia

Qualification Style

Flexible underwriting

Business Line Count

Mortgage lending

Deephaven Mortgage is a recognized non-QM lender whose flexible underwriting can support asset-based qualification for Georgia mortgage borrowers. It is better known as a broad non-QM platform than a pure asset depletion specialist, but remains highly relevant for complex income cases.
10
#10

Athas Capital Group

Alternative mortgage lender for asset-focused Georgia borrowers

Primary Focus

Non-QM/alternative mortgages

State Relevance

Georgia

Qualification Style

Alternative documentation

Business Line Count

Mortgage lending

Athas Capital Group is known in the non-QM market for alternative qualification programs and is relevant to Georgia borrowers needing asset-focused mortgage solutions. It ranks behind stronger asset-depletion specialists but remains a viable lender for borrowers whose profiles do not fit conventional income documentation.

●Conclusion

Selecting the right asset depletion or asset qualifier mortgage lender in Georgia involves more than finding a lender willing to accept non-traditional income documentation. The quality of execution, program terms, and lender familiarity with your specific borrower profile can meaningfully affect your rate, closing timeline, and overall loan experience.

When comparing lenders from this list, consider the following evaluation dimensions. Program specificity matters: lenders that have built dedicated asset depletion infrastructure and Georgia-facing marketing tend to underwrite these scenarios with greater confidence and consistency than those offering asset-based qualification as a secondary option within a broader non-QM menu. A lender that has handled dozens of similar files in your asset category is less likely to encounter processing delays or pricing surprises mid-transaction.

Loan sizing and property use alignment is equally important. Some lenders on this list are better positioned for jumbo or high-balance scenarios, while others carry minimum loan thresholds that may not suit all borrowers. Verify that the lender you engage with supports your intended property type — whether that is a primary residence, a second home, or an investment property — under their asset qualification guidelines, as program eligibility can vary by property use.

Rate and fee structure in non-QM lending warrants careful review. Asset depletion loans are priced at a spread above conventional conforming rates to reflect the non-agency credit risk these lenders retain on their balance sheets. That spread varies by lender, scenario complexity, LTV, and credit profile. Gathering competing loan estimates from two or three lenders before committing will give you a clearer picture of where the market is pricing your specific scenario.

Broker versus retail access is a practical consideration for some borrowers. Several lenders in this ranking operate primarily through mortgage broker channels, meaning retail consumers access their products through an intermediary rather than directly. If you are working with a mortgage broker in Georgia, ask specifically which non-QM and asset-based programs they have active correspondent or wholesale relationships with — this can expand your options meaningfully beyond what any single lender's retail platform offers.

Ultimately, the best asset depletion or asset qualifier mortgage lender for your situation is the one whose program structure, loan parameters, and underwriting flexibility align most closely with your asset profile, property goals, and timeline. Use this ranking as a structured starting framework, engage multiple options for comparison, and prioritize lenders who demonstrate genuine familiarity with asset-based mortgage qualification in the Georgia market.

Keywords:Mortgage