Can I get a mortgage with a judgment?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes, usually after the judgment is satisfied or on a documented payment plan. Lenders want to be sure a judgment can't attach to the property ahead of their lien.
FHA and conventional both allow it with proof of resolution or an approved plan with a few payments made. We'll document the judgment correctly so it doesn't derail closing.
Judgments and your loan
An open judgment can stall a mortgage. Lenders usually want it paid or under a documented payment plan before closing. A satisfied judgment is far easier.
Some loan types are stricter than others. The right program can keep you moving while you resolve it.
Resolving a judgment in Florida
A judgment feels scary but is often fixable. Pay it or set a plan and document everything. Then the loan can proceed.
Bring the judgment details. We will show what underwriting needs and the cleanest path forward.