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Understanding Medical Debt Mortgage
Medical debt affects 100 million Americans, making it the most common type of collections on credit reports. However, recent credit reporting changes have dramatically reduced its impact. Since 2023, paid medical collections and unpaid amounts under $500 no longer appear on credit reports. FHA guidelines specifically exempt medical collections from payoff requirements.
100 million Americans are affected by medical debt
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Frequently Asked Questions
In most cases, no. Recent credit reporting changes have removed much medical debt from credit reports entirely. FHA loans do not require medical collections to be paid off. The key is your overall credit score and financial profile. NMHL can evaluate your specific situation and identify programs that work for you.
Not necessarily, and sometimes paying collections can temporarily lower your score. Consult with an NMHL loan officer before paying off medical collections. FHA does not require medical payoff, and paid medical debt is now removed from credit reports, so timing matters.
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