The short answer is that it's very hard to secure a home loan to buy a home if you're unemployed. This is because without a regular (or any) income, you will struggle to make the regular repayments on your loan, unless you're receiving a large welfare cheque from the government or regular insurance payments (but even then, some lenders don't accept these as valid sources of income). As income is the biggest factor that determines whether or not you get a home loan, it would be nonsensical for a lender to give someone without an income a loan.