Add Comment Question: Can a newly separated person on STD that will be transferring over to LTD get their own mortgage? I will have $200,000 for down payment from buyout of matrimonial home. Answer: You need to check with the bank. This is not an LTD issue. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.