Freddie Mac Removed the Age Rule on Asset Depletion Mortgages: What Agents Must Know

Freddie Mac just made that dramatically easier, and most real estate agents haven't heard about it yet. In this episode of the Loan Daddy Podcast I break down the two changes to the asset depletion program ("assets as a basis for repayment"): the 62.5+ age restriction is gone, and the income calculation moved from a 240 divisor to 180, roughly 33% more qualifying income from the same assets. Then I lay out the exact two moves I'd make this week if I were an agent, starting with the buyers already sitting in your database. ⏱ CHAPTERS 0:00 The change that could be worth 1–2 extra deals in 12 months 0:10 Why the Loan Daddy Podcast serves real estate agents 1:06 Why mortgage guideline changes never reach agents in time 2:24 Freddie Mac's asset depletion update explained (assets with no income stream) 2:48 The old rule: reserved for retirement age (62.5+) 3:20 Age restriction removed: who qualifies now 3:55 The new math: divide by 180, not 240 ($1M example) 4:35 33% more qualifying income from the same assets 5:10 Move #1: mine your database for income-declined buyers 6:05 Move #2: blast the news + get the marketing materials (DM "ASSETS" on Instagram) 6:42 Why this change matters right now 📲 Get the marketing materials: DM "ASSETS" to @loan.daddy on Instagram →   / loan.daddy   FOLLOW SCOTT Instagram:   / loan.daddy   Facebook:   / scottnadler.ccm   YouTube:    / @theloandaddy   DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions. #assetdepletion #freddiemac #realestateagents