You searched:
“can I get a mortgage on disability income”
Disability income is a legitimate and stable income source for mortgage qualification. Lenders cannot discriminate against disability income, and it often qualifies at a higher effective value because it is typically non-taxable.
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Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Unsure if disability counts as qualifying incomeSolution exists
- 2Worried about income being seen as insufficientSolution exists
- 3Concerned about future benefit changesSolution exists
- 4Fear of discrimination in lendingSolution exists
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Your Options Right Now
Disability Income Grossed Up
Non-taxable disability income can be grossed up by 25% for qualification. $2,000/month becomes $2,500 for DTI calculations.
Available nowFHA with Disability Income
FHA fully accepts SSDI, VA disability, and private disability as qualifying income with documentation.
Available nowVA Loan for Disabled Veterans
VA disability compensation qualifies for VA loans. Higher disability ratings may also waive the VA funding fee.
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(248) 864-2200Disability income is real income. Let us help you qualify.
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Frequently Asked Questions
Yes. SSDI, VA disability, private disability insurance, and supplemental security income all count. Non-taxable income is often grossed up by 25%.
No. The Fair Housing Act and Equal Credit Opportunity Act prohibit discrimination based on disability. Lenders must evaluate disability income the same as any other stable income.
Award letters, benefit statements, and proof of continuance. Most programs need to see that benefits will continue for at least 3 years.
Disability income is real income. Let us help you qualify.
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