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Guide · Disability income
Buying a Home on Disability: The Bridge Income Guide
Did a health event convince you a home loan is off the table? Disability income is income. This guide shows how a lender can count it, and what changes if you are heading back to work.
Who it is for: Buyers receiving short-term or long-term disability benefits who assume the benefit rules them out.
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- Short and plainWritten for one situation, in plain words.
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Why it matters
The file reads your benefit statement, not your health
We do not ask for medical records or about your condition. What a lender reads is the benefit itself: what it pays, how often, and whether it is likely to continue. When a short-term benefit is documented to convert to long-term, the long-term amount may be the one that counts.
If your benefit is about to drop because you are returning to work, the file is built a different way. And getting the loan and being able to afford the payment are two different questions; you deserve both answers.
What the guide covers
- Why the long-term amount can be the one that counts
- The policy documents a lender needs before it will count the benefit
- What changes if you are heading back to work, and the letter that carries the file
- When a conventional loan is the simpler fit
- Moves to make before you apply, and questions to ask your lender
The honest part. Not medical, tax or legal advice. Questions about the benefit itself go to your policy provider.
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This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice. The guide is general information, not medical, tax or legal advice.