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Home Equity Loan Asset Depletion 2026: Qualifying with Retirement Account Income

Home Equity Loan Asset Depletion 2026: Qualifying with Retirement Account Income

Retirees with big 401(k)/IRA balances but low income can qualify for a home equity loan using asset depletion. 2026 formulas, divisors, and lender rules.

Sep 7, 2026 · 7 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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