You searched:
“medical bills ruined my credit can I get a mortgage”
Medical debt is the number one cause of bankruptcy and credit damage in America, and the lending industry knows it. That is why FHA ignores medical collections entirely for qualification, and newer credit scoring models minimize their impact.
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- You are not alone -- thousands of people search this every month
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We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Emergency surgery or hospitalizationSolution exists
- 2Chronic illness treatment costsSolution exists
- 3Insurance gaps or claim denialsSolution exists
- 4Surprise medical billingSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
FHA Ignores Medical Collections
FHA underwriting guidelines exclude medical collections from consideration entirely. Your other credit factors matter more.
Available nowDispute Medical Collections
Medical billing errors are extremely common. Dispute any amounts that seem incorrect -- many get removed entirely.
Available nowNegotiate and Settle
Medical providers often accept 40-60% of the original bill as full payment. Settled accounts are better than open collections.
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(248) 864-2200Medical debt should not stop your life. Let us help.
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Frequently Asked Questions
Much less than you might think. FHA ignores medical collections entirely. Newer FICO models also minimize their impact. Medical debt is treated differently than consumer debt.
Not necessarily. FHA does not require it. Paying can sometimes temporarily lower your score. Consult a loan officer before paying medical collections.
Yes, and you should. Medical billing errors affect an estimated 80% of medical bills. File disputes with all three credit bureaus for any inaccurate amounts.
Medical debt should not stop your life. Let us help.
We will reach out at a time that works for you. No pressure, no obligation.