September 22, 2021

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FHA Loans, Verifiable Income and Alimony/Child Support

When a borrower applies for an FHA insured home loan, part of the qualifying process includes having all sources of income reviewed and verified. Some income can’t be used for purposes of qualifying for an FHA mortgage–usually anything which is not steady, reliable, and likely to continue can’t be claimed.

By the same standards, some types of income are not required to be listed, but if they are not listed and verified that source of income can’t be considered for the purposes of qualifying for the FHA mortgage.

Alimony, child support, and maintenance income falls into this category. If a borrower chooses not to list that type of income, it’s his or her choice–but the income must be listed and verified in order to be used to qualify for the FHA guaranteed mortgage.

Alimony, child support, and maintenance income is not automatically considered verifiable. These payments are considered “effective income” when, according to the FHA official site:

Joe Wallace - Staff Writer

By Joe Wallace

December 30, 2011

Joe Wallace has been specializing in military and personal finance topics since 1995. His work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. He is a 13-year Air Force veteran and a member of the Air Force Public Affairs Alumni Association. He was Managing editor for for (8) years and is currently the Associate Editor for

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About was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. Popular FHA topics include credit requirements, FHA loan limits, mortgage insurance premiums, closing costs and many more. The authors have written thousands of blogs specific to FHA mortgages and the site has substantially increased readership over the years and has become known for its “FHA News and Views”.

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