Collections do not always block an FHA loan. Learn when they matter, what must be paid, and how underwriters review them with The 2 Mortgage Guys.
Collections do not always block an FHA loan. Learn when they matter, what must be paid, and how underwriters review them with The 2 Mortgage Guys.
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Yes — collections do not automatically disqualify you for an FHA loan. FHA and lenders review unpaid collections case by case, and medical collections are often treated more flexibly. Ryan and Steve review your credit report early so you know what must be paid versus what can stay open.
Unpaid collections are reviewed individually — not every account must be paid before closing.
FHA underwriters weigh collection type, recent activity, and whether the debt must be paid as a condition.
Outcomes vary by AUS findings and lender — always confirm your specific conditions.
We map must-pay accounts versus optional ones so you protect cash for closing.
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Ryan & Steve will pull your credit picture, flag what FHA underwriting typically requires, and map a payoff vs leave-open plan before you write an offer.
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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1221 Appletree Lane, Kokomo, IN 46902
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