Can I use child support to qualify for a mortgage?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes, if it's documented and likely to continue. Lenders want proof you've received child support consistently — usually six to twelve months — and that it will keep coming for at least three more years.
A court order plus deposit history establishes it. Like other non-taxable income, child support can sometimes be grossed up. We'll verify the paper trail and count it toward your approval.
Child support as income
Child support can count toward a mortgage. Lenders want proof it will continue for at least three years. A court order plus a payment record does the job.
A steady history matters most. If payments arrive on time, the income is usually usable. Spotty payments are harder to count.
Documenting support in Florida
Many single parents in Florida use support income to buy. It is legitimate qualifying income with the right proof. We know what underwriting needs.
Bring the court order and several months of payment records. We will show how much of the support counts toward your loan.