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Dave The Mortgage Guy Ditch The Landlord (3)
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  • Buy a Home
    • First-Time Homebuyer / DPA Loans
    • Conventional Home Loans
    • FHA Home Loans
    • VA Home Loans
    • Jumbo Loans
    • Self-Employed Borrowers
    • Non QM Loans
    • Bank Statement Loans
    • Investment Property Financing
    • ITIN Loans
    • Renovation and Construction Loans
    • USDA Loans
    • Adjustable-Rate Mortgages
  • Refinance
    • Cash-Out Refinance
    • HELOC
    • Refinance Loans
    • Reverse Mortgage
  • Tools
    • Mortgage Calculator
    • Rent vs. Buy Calculator
    • Cash-to-Close Estimator
    • Compare Mortgage Options
    • Ask Me A Mortgage Question
  • Blog
  • Apply Now
  • Buy a Home
    • First-Time Homebuyer / DPA Loans
    • Conventional Home Loans
    • FHA Home Loans
    • VA Home Loans
    • Jumbo Loans
    • Self-Employed Borrowers
    • Non QM Loans
    • Bank Statement Loans
    • Investment Property Financing
    • ITIN Loans
    • Renovation and Construction Loans
    • USDA Loans
    • Adjustable-Rate Mortgages
  • Refinance
    • Cash-Out Refinance
    • HELOC
    • Refinance Loans
    • Reverse Mortgage
  • Tools
    • Mortgage Calculator
    • Rent vs. Buy Calculator
    • Cash-to-Close Estimator
    • Compare Mortgage Options
    • Ask Me A Mortgage Question
  • Blog
  • Apply Now
  • Buy a Home
    • First-Time Homebuyer / DPA Loans
    • Conventional Home Loans
    • FHA Home Loans
    • VA Home Loans
    • Jumbo Loans
    • Self-Employed Borrowers
    • Non QM Loans
    • Bank Statement Loans
    • Investment Property Financing
    • ITIN Loans
    • Renovation and Construction Loans
    • USDA Loans
    • Adjustable-Rate Mortgages
  • Refinance
    • Cash-Out Refinance
    • HELOC
    • Refinance Loans
    • Reverse Mortgage
  • Tools
    • Mortgage Calculator
    • Rent vs. Buy Calculator
    • Cash-to-Close Estimator
    • Compare Mortgage Options
    • Ask Me A Mortgage Question
  • Blog
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Author: Dave The Mortgage Guy

David Martel is a licensed Mortgage Loan Originator (NMLS #2521668) with Barrett Financial Group, licensed in AZ, CA, KS, MD, MI, MO, NV, NJ, NC, SC, OR, TN, UT, and WA. He works with first-time buyers, self-employed borrowers, VA loans, and reverse mortgages, and publishes homebuying education on YouTube as Dave The Mortgage Guy.

The Bank Said No. We Got Him Approved Anyway – Using His Assets, Not His Income.

Graphic explaining how asset depletion helped qualify a borrower for a $1.25 million home purchase after a traditional bank said no.

An asset depletion mortgage converts your retirement and brokerage accounts into qualifying income without liquidating anything. Here’s how the math works, who it fits, and where it stops working.

Cash to Close Is Not The Same As Closing Costs – Where Most Buyers Get Burned

Diagram of the cash to close formula: down payment plus closing costs plus prepaid escrows, minus earnest money, seller credits, and lender credits.

Closing costs and cash to close are two different numbers, and most buyers don’t find that out until the worst possible moment. Here’s how to plan for it early.

Dave the Mortgage Guy logo with pink house icon and slogan Ditch the Landlord

Dave The Mortgage Guy offering personalized mortgage solutions, fast responses & customized quotes, competitive rates & service with integrity. 
Licensed in: AZ, CA, CO, HI, KS, KY, MD, MI, MS, MO, NV, NJ, NC, OH, OR, SC, TN, TX, UT, WA

David Martel

Contact Us

  • 2701 E Insight Way, Suite 150 Chandler AZ 85286
  • 623-698-5294
  • dmartel@barrettfinancial.com
  • Schedule a Meeting

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Dave The Mortgage Guy powered by Barrett Financial Group | David Martel | Mortgage Loan Originator | NMLS# 2521668 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AZ 0904774 | GA 181106 | MA MC181106 & MC181106 | MO 181106 | OR | PA 92105 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | VA MC-7357 & MC-7357 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

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