Profile picture for HOMEBUYER1st2012

CHILD SUPPORT ARREARS AND HOME LOAN QUALIFICATIONS

My husband has 20K in child support arrears appearing on his credit report;due to the kids mother requesting back pay. However, ever since the judgement 4 years ago he has made constant payments which are directly debited from his pay check weekly. We are looking into purchasing a home and I wanted to know will this affect us. Other than that issue we have good credit along with two open car loans( 1 will be paid off 5/2013) and one credit card that have never received a late payment.
  • July 24 2012 - Birmingham
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Answers (9)

Profile picture for mr ayoub323
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  • July 24
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Profile picture for mr ayoub323
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  • July 24
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Profile picture for PrinceJones
Hello,
I used to work at a Mortgage company. You the wife can qualify for the home all by your self if you have enough income to support it and as long as you do not file your taxes with your husband. Your should be on your title legally. If you don't have perfect credit I would say to either go to a credit union or to US Bank and do a FHA loan. 

Hope this helps and good luck on your home buying adventure! 
  • September 06 2013
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Profile picture for justchris
i have the same problem i cant get a loan eithor but the reason i have back child support is my x is a peace of crap club rat found out now im gone but kids are doing great the need and most of what they want i only owe about 5 grand i keep it that way because i dont want thair mother to comfy anyway we got some angry moms on here maybe they should think  before opening thair legs ok its hard to get a loan with back child support like the other person said they dont want the court to put a lean on the new home but u can do what i did and lease to own a little more  money but if it makes sure ur kids get the money not the mom its worth it.
  • January 16 2013
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Profile picture for sunnyview
"How about you morons give the lady a straight answer instead of voicing opinions on child support obligations...."

Gosh. That does not sound very nice. Calling people "morons" only serves to make you look like an angry person. Not the best way to ask for information either, but to each his own.
  • September 13 2012
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Profile picture for Go Huskers
" How about you morons give the lady a straight answer instead of voicing opinions on child support obligations."
-----------------------------
How about you read? The question was answered; they should pay off the judgement. DCS will levy anything they can get their hands on  (INCLUDING A NEW HOUSE) and no lender wants that. If they have money for the DP, they need to apply it to the arrears.


" Sometimes in life people fall off the horse and lose their jobs etc, leaving them with debt, this doesn't mean he shouldn't be able to get a home for his current family."
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Yes it does, it means exactly that. No one is entitled to a house. If you lose your job and go into debt, you need to resolve that first before you can buy. One should take care of the "old" family before they spread their seed to start a new on if they cannot afford the old one. 

 

  • September 13 2012
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Profile picture for user343836
How about you morons give the lady a straight answer instead of voicing opinions on child support obligations.... If you will notice she said he has been paying it currently, and for a while now.....


Sometimes in life people fall off the horse and lose their jobs etc, leaving them with debt, this doesn't mean he shouldn't be able to get a home for his current family. Especially if he has shown consistent payment history over the past few years.

Now will someone with knowledge on the subject plase chime in without the need for dumbass opinions from disgruntled mothers who wanna live off their ex's money.
  • September 13 2012
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Profile picture for wetdawgs
Pay off his kids, and then plan your home buying strategy from there.  
  • July 24 2012
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Profile picture for Go Huskers
What are you using for the down payment? Maybe he ought to apply that to the 20K he owes his kids (not the kid's mother) and you hold off on the new house plans?

Maybe?
  • July 24 2012
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