Can You Get a Mortgage Without a Job in 2026? 8 Ways to Qualify
: Lenders use your liquid assets (savings, stocks, retirement accounts) to calculate a "theoretical" monthly income. For example, a lender might divide your total assets by 360 months to determine qualifying income. can i buy a house with no job
: You may be required to show 6 to 12 months of mortgage payments set aside in savings. Can You Get a Mortgage Without a Job in 2026
Because of the increased risk, lenders typically require stronger "compensating factors" if you don't have a job: can i buy a house with no job
: While 3%–5% is common for workers, unemployed buyers are often required to put down 15% to 25% .