: 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.
: You may be required to show 6 to 12 months of mortgage payments set aside in savings. can i buy a house with no job
: These "non-QM" (non-qualified mortgage) loans focus on your credit score and assets rather than traditional pay stubs, though they often carry significantly higher interest rates. Stricter Requirements for Unemployed Borrowers : Lenders use your liquid assets (savings, stocks,
Can You Get a Mortgage Without a Job in 2026? 8 Ways to Qualify can i buy a house with no job