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will a past eviction affect ability to get mortgage

happened when i was in college more than 7 years ago, but it is the only major blemish i have. by doriansummers.bul... from Champaign, Illinois. Jan 21st 2014 Reply


An eviction alone will not affect your being able to qualify for a mortgage. The only possible effect it could have is if your credit scores were impacted, but that rarely, if ever, happens.

Jan 21st 2014
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Sam Perez (SamPerez)
#48 ranked lender in Illinois - 34 contributions

Dorian thanks for the question. An eviction is typically not reported on credit unless you were sued and they placed a judgement. You should not have any issues obtaining a new mortgage if that's the only issue. We still have to qualify you based on credit, income and down payment. I'd be happy to get you pre-approved and please feel free to contact me with any additional questions. Thanks. Sam www.silvercreekfinance.com

Jan 21st 2014
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John Moran (TheHomeMortgagePro)
#8 ranked lender in Arizona - 658 contributions

Dorian, This shouldn't have an effect on your ability to obtain a new mortgage assuming you are otherwise qualified. You may have to write a letter of explanation if something is showing up on credit (probably not), but that isn't difficult.

Jan 21st 2014
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,237 contributions

Shouldn't be an issue even if it shows on your credit because it was so long ago- assuming you have established a good payment history since then that is reflected on your credit. Good luck - move forward!

Jan 21st 2014
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thank to all - this has been a huge relief

Jan 21st 2014
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,588 contributions

Generally speaking no, but if there is an unpaid judgment from that eviction still showing on your credit report, then it would have to be paid or removed before you can get a mortgage.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Jan 21st 2014
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