Unfortunately, employment or a stream of reliable income is a requirement for ALL mortgages.
Income, credit, and down payment are the 3 factors that banks look at in determining if you can get a mortgage and for how much.
Back before the financial crisis, a good credit score and a heartbeat could get you a mortgage. But banks suffered tremendous amounts of losses for doing business this way and as a result those programs dont exist anymore, and probably never will.
There is one exception:
You look fairly young in your photo, but if you are over 62 by some chance and this home is going to be your residence, you might be able to qualify for a reverse mortgage purchase, called a HECM purchase. The down payment required would vary depending on your age - the younger you are the larger down payment required. It doesnt require any payments or income verification. Basically, interest just accrues on the balance, and whenever you die or sell the home you pay the bank the amount due on the loan plus interest.
If you're interested in more details on the HECM, give me a call. Hope this helps!
Tony Grech | Mortgage Loan Originator | NMLS 977416
PMAC Lending Services, Inc.
24901 Northwestern Highway Suite 407
Southfield, MI 48075
Direct (248) 728-0078 | Fax (248) 595-7130 | Cell (313) 622-7383