Figure’s Michael Tannenbaum on home equity lending to the ‘sandwich generation’

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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.