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.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.