If my house is paid for and i'm on temporary disability, can i qualify for a home equity loan?

Probably not.. if your only source of income is the temporary disability, then no. Lenders are required to verify you have sufficient income to service your debt. They are required to document that any income you have is likely to continue for the next 3 years or more, so if your only income is temporary disability, then you will not pass the test... If you have other income, such as Social Security, pensions, rental income, ETC... then it's possible, but you would need to apply so a lender can look at your complete profile, income and liabilities and determine if you have enough income to satisfy the lenders debt to income ratio requirements.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

That will depend on the lender's requirements. Generally, the temporary disability income is not considered stable income. Good luck!

If you are over 62 I would look at a reverse mortgage. Otherwise you would most likely need to be back to work. Check with your bank/credit union where you have checking/savings as they may be willing to assist a customer. Best of luck to you.

Generally, the answer is no. As Charlie pointed out, if you have lots of equity, and are over 62, you could qualify for a reverse mortgage.

Most lenders want to be sure that your income will continue really and truly indefinitely but a minimum of 3 years is the general rule of thumb.

The basic rule is that any qualifying income needs to be proven to last at least three years. So technically yes, disability income is OK, and you could possibly get the loan, but realistically, it is highly doubtful you'll be able to get anything documenting a 3 year continuance of "temporary" disability income.