Social Security income is widely accepted for mortgages, and lenders may increase qualifying income when it is non‑taxable.
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Can I use Social Security income to buy a home?
ACCEPTABLE INCOME TYPE
Social Security income can be used to qualify when it is stable and expected to continue. Lenders review award letters and bank deposits to verify consistency.
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GROSS‑UP RULES
Non‑taxable Social Security income may be grossed up by program‑specific percentages, increasing the amount used for qualification.
DOCUMENTATION REQUIREMENTS
Award letters, bank statements, and SSA verification confirm payment amounts and continuation. Tax returns may be required for certain benefit types.
NEXT STEPS
Gather SSA documents.
Provide bank statements.
Confirm whether your income is non‑taxable.
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