What if my credit report shows outstanding collections, debt, bankruptcies, judgments, or liens?
We do not look for perfect credit. We consider your whole picture and look for applicants who are ready to accept the responsibility of home ownership. At the same time, we do not want to put you in a home that you cannot afford or in a situation where you cannot be a successful home owner. We are unable to partner with applicants who have outstanding judgments or liens. If you have filed bankruptcy in the past, we look for it to be at least two years ago, and for a good credit history since the bankruptcy was discharged. We require you to have a plan on how you will resolve any outstanding collection or past-due items.
