You searched:
“can I get a mortgage on Social Security income only”
Social Security is a stable, reliable income that lenders accept and even give a boost to because it is non-taxable. You can absolutely qualify for a mortgage on Social Security income.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Retired and living on fixed incomeSolution exists
- 2Concerned Social Security is not enoughSolution exists
- 3Unsure if age affects mortgage eligibilitySolution exists
- 4Want to downsize or relocate in retirementSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Gross-Up SSI Income
Non-taxable Social Security income can be grossed up 25% for qualification. $2,000/month becomes $2,500.
Available nowFHA for Retirees
FHA has no age restrictions and accepts Social Security as qualifying income with benefit award letter.
Available nowAsset Depletion Programs
If you have retirement savings, IRAs, or investments, these can supplement your Social Security for qualification.
Available nowTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Retired? Social Security qualifies. Let us show you.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
No. The Equal Credit Opportunity Act prohibits age discrimination. Lenders cannot deny you based on age. If you qualify financially, you qualify.
With the 25% gross-up, $2,000 monthly SSI is treated as $2,500. This can qualify you for a $150,000-$200,000 home depending on debts and location.
Yes. IRA, 401k, and other retirement withdrawals are acceptable sources for down payment. Lenders may also use these assets for reserve requirements.
Retired? Social Security qualifies. Let us show you.
We will reach out at a time that works for you. No pressure, no obligation.