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old judgements that have expired, will they affect my FHA?

Posted on: 21st Jan, 2012 06:48 am
I have two old judgements. One from 20 years ago and one from 12 years ago. Neither one of them were renewed so they are both expired. The 12 yr old one doesn't even show on the counties website anymore. Neither one are on my credit report. Other than that my credit is good. Will these come up during an application for an FHA loan? I did not settle on either one. In my state a judgement in the county expires at 6 years and in the state court at 20 years. Mine were at the county.
Welcome john,

As both the debts don't show up on your credit report, they won't affect your chances of getting a FHA loan. If you meet the required criteria of the FHA lenders, you will be able to get the loan.
Posted on: 22nd Jan, 2012 09:37 pm
Hi john!

Welcome to forums!

I agree with Adonis. As the debts don't appear on your credit report, you won't have to worry about them. It won't create a problem for you when you apply for a FHA loan.

Feel free to ask if you've further queries.

Posted on: 23rd Jan, 2012 08:59 pm
FHA has nothing to do with your judgments. Its the title search that could be the problem. When a title search is done if these judgments are not satisfied and they show up in the search you will not be able to take title to a home.
Posted on: 31st Jul, 2012 07:10 pm
Thanks for sharing your opinion, Terrence :)
Posted on: 16th Aug, 2012 11:59 pm
Since the judgements are so aged, getting an FHA loan should not be an issue.
Posted on: 17th Aug, 2012 12:05 am
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