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Buying a Home -How does my credit report history affect my ability to qualify for a mortgage loan?

A FHA loan is generally more flexible than a conventional mortgage loan in its qualifying guidelines. In fact, FHA home loans allow you to re-establish credit if: 

  • Two years have passed since a bankruptcy  has been discharged

  •  All judgments have been paid

  • Any outstanding tax liens have been satisfied or appropriate arrangements have been made  
  • To establish a repayment plan with the IRS or state Department of Revenue  

  • Three years have passed since a foreclosure or a deed-in-lieu has been resolved

>> What if there is a mistake on my credit report, will I still be able to buy a home?


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