We Understand What You're Going Through

Medical debt is unique among credit issues because it is often unexpected, involuntary, and can accumulate rapidly. Recent changes in credit reporting have significantly reduced its impact on credit scores and mortgage eligibility. FHA guidelines specifically accommodate medical collections, and updated credit models give less weight to medical debt than other types of delinquencies.

Medical collections hurting credit score in Michigan

Afraid medical debt prevents homeownership in Michigan

Unsure if medical bills need to be paid off first in Michigan

Medical collections under $500 are no longer on credit reports.

FHA does not require medical collections to be paid off.

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Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

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Solutions for Medical Debt Mortgage in Michigan

NMHL offers multiple pathways to homeownership for Michigan borrowers.

FHA Loans

FHA guidelines specifically address medical collections favorably. Medical collections do not need to be paid off for FHA approval regardless of the amount. This makes FHA the most accessible program for borrowers with significant medical debt.

No medical collection payoff required Favorable treatment of medical debt Standard FHA qualification criteria

Updated Credit Score Advantage

With paid medical debt and small unpaid amounts removed from credit reports since 2023, many borrowers qualify for better programs than they realize. NMHL ensures your credit is evaluated under the most current guidelines.

Paid medical debt removed from reports Under $500 excluded Score may be higher than expected

Strategic Debt Management

NMHL loan officers help you navigate which medical debts to address and which can be left alone for mortgage purposes. Sometimes paying the wrong debt at the wrong time can actually hurt your application.

Expert debt navigation Strategic payoff guidance Maximize approval chances

Your Path to Homeownership in Michigan

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1

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2

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3

Get Pre-Approved

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4

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Medical Debt Mortgage in Michigan - FAQs

Can I get a mortgage with medical debt in Michigan?

Yes. NMHL is licensed in Michigan and helps borrowers with medical debt navigate the mortgage process. With recent credit reporting changes and FHA's favorable treatment of medical collections, many Michigan residents with medical debt qualify for homeownership.

Does Michigan have any medical debt protections?

Some states have additional protections for consumers with medical debt. NMHL loan officers in Michigan stay current on both federal and Michigan-specific regulations that may benefit your mortgage application when medical debt is a factor.

Michigan Mortgage Resources

Get Help with Medical Debt Mortgage in Michigan

Speak with a licensed Michigan loan officer today. Free consultation, no obligation.

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Medical Debt Mortgage in Michigan? We Can Help.

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We Understand What You're Going Through

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