The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Infographic with a beige background and black text titled 'Using Child Support to Qualify for a Mortgage.' Below the title are icons of two people and a document with a dollar sign. The text highlights key points: 'Important Details,' 'Clear Documentation Requirements,' and 'Can the Income Continue?'

How to use child support income to qualify for a mortgage

By Scott Sheldon / July 31, 2025

If you’re receiving child support and planning to buy a home, you might be wondering: Can I use this income to qualify for a mortgage? The answer is yes—with some important details. Both FHA and conventional loan programs (like Fannie Mae and Freddie Mac) allow child support income to be used, but there are clear…

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