Can I use my sons social security benefit as income?

Only if he would be on the loan.

Funds received from Social Security for a minor is not considered income for lending purposes. However, if your son is eligible to be a borrower on the loan, then it would be considered usable income. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ At NEXA, we've got you covered. We are licensed in all states except MA and NY and we are pending approval in VA, so give us a call. ~ www.ApplyYes.com 480-889-9000.

If he is of age and a co-borrower on the actual loan, yes. Otherwise no. I lend in IA, MN, WI, SD, ND. Find me at JoeMetzler.com - Cambria Mortgage, NMLS 274132