You searched:
“can I get a mortgage with an eviction on my record”
An eviction makes you feel like a housing pariah, but it does not appear on credit reports the same way other negative marks do. Many lenders can still approve you, especially if the eviction was an isolated incident with an explanation.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Landlord dispute escalated to evictionSolution exists
- 2Lost income temporarily and fell behind on rentSolution exists
- 3Roommate situation went wrongSolution exists
- 4COVID-era eviction during financial hardshipSolution 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 with Explanation
FHA evaluates your overall credit profile. An eviction with documented explanation and recent positive rental history can still qualify.
Available nowNon-QM Manual Underwriting
Non-QM lenders evaluate the full picture and may overlook an eviction with strong compensating factors.
Available nowEstablish Fresh Rental History
12 months of on-time rent payments to a landlord willing to provide verification rebuilds your housing history.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Past eviction? It does not have to define your future.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
The eviction itself does not. But if the landlord sent unpaid rent to collections or obtained a judgment, those appear on your credit report.
Most lenders care most about the last 12-24 months of rental history. An older eviction with recent positive history is much less impactful.
Yes. A letter of explanation showing the circumstances and what has changed demonstrates responsibility and helps underwriters see the full picture.
Past eviction? It does not have to define your future.
We will reach out at a time that works for you. No pressure, no obligation.