It is very likely since SS is fixed and secure income. You must contact a Lender to get to learn about loan alternatives. I would suggest you get an independent mortgage broker with with access to a direct lender, they have money available without many of the restrictions of big banks.
If they don't want to lend you because 20,000 is to small of an amount, go into your local credit union...they are friendlier to small loans.
Charles Rutenberg Realty