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.
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.
Solutions for Medical Debt Mortgage in Pennsylvania
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Medical Debt Mortgage in Pennsylvania - FAQs
Yes. NMHL is licensed in Pennsylvania and helps borrowers with medical debt navigate the mortgage process. With recent credit reporting changes and FHA's favorable treatment of medical collections, many Pennsylvania residents with medical debt qualify for homeownership.
Some states have additional protections for consumers with medical debt. NMHL loan officers in Pennsylvania stay current on both federal and Pennsylvania-specific regulations that may benefit your mortgage application when medical debt is a factor.
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