Can I Buy A House With No Job Apr 2026

: 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 often demand a minimum score of 680 to 720 for those without W-2 income, compared to roughly 620 for traditional borrowers. can i buy a house with no job

Because of the increased risk, lenders typically require stronger "compensating factors" if you don't have a job: : These "non-QM" (non-qualified mortgage) loans focus on