Figure’s Michael Tannenbaum on home equity lending to the ‘sandwich generation’
More than 500,000 HELOC applications show this group has a high monthly debt load but significant equity to lean on
Educational
HousingWire reports that Figure's Michael Tannenbaum has drawn attention to a growing dynamic in home equity lending: the so-called sandwich generation, caught between supporting children and aging parents, is carrying heavy monthly debt loads while sitting on substantial home equity. With more than half a million HELOC applications from this cohort, the data suggests a demographic under pressure and looking to unlock trapped value in their properties.
This creates a situation where traditional income verification may not capture the full financial picture of borrowers who own investment properties or earn through non-standard channels. loantrust.ai operates directly in this space as an Atlanta-based mortgage brokerage with an NMLS-licensed mortgage loan originator who personally packages every file, eliminating the call-center experience. For investors and self-employed borrowers navigating complex debt obligations, programs including DSCR loans which qualify based on property cash flow rather than personal income, bank-statement programs, and bridge financing offer pathways that conventional underwriting often closes off.
The significance lies in how lending adapts to real household economics rather than rigid income documentation. A dedicated partner rather than a transactional call center becomes particularly relevant when borrowers need financing strategy matched to layered financial responsibilities, not just a rate quote against a W-2.
Source: HousingWire, “Figure’s Michael Tannenbaum on home equity lending to the ‘sandwich generation’”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: loantrust.ai Georgia
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.