${site.data.firmName}${SEMFirmNameAlt} Main Menu
Call Today: 855-805-0595

Overdue child support and applying for a mortgage

33149085_S.jpgIllinois parents who have to pay child support should know that this obligation is considered a debt when they try to qualify for a home loan. If they are delinquent in paying child support or have a child support arrearage, it can be considered a negative credit event and impair their chances of being approved for a mortgage. However, it is not entirely impossible for people who owe overdue child support payments to qualify for a mortgage.

Individuals who want to obtain a mortgage should review their credit report to verify what is being reported and to determine if their FICO score is good enough to meet the standards established by their lender. They should also use a home affordability calculator to determine if they will be able to handle a mortgage while having to pay current debts as well as overdue child support payments.

In July 2017, the three main credit reporting agencies altered how they report certain liens, including the liens related to overdue child support. People with past-due child support should make sure they review their credit report closely as their arrearage may not be listed or have an impact on their credit score.

People who have a credit score that is sufficient enough for them to qualify for a conventional loan will not be automatically disqualified if they are making payments on overdue child support. They are required to report both the current and past-due child support payments when detailing their debts for the mortgage application.

A family law attorney may assist parents with resolving disputes regarding child support payments. Clients may be advised of which legal avenues to pursue to obtain delinquent payments, and the attorney may request child support enforcement measures on behalf of parents.

No Comments

Leave a comment
Comment Information

Contact Our Team To Get Help Now

Tell us about your case and we’ll get back to you promptly.

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close
Stange Logo

Stange Law Firm, PC
1506 Chapel Hill Rd
Suite H
Columbia, Missouri 65203

Toll Free: 855-805-0595
Fax: 314-963-9191
Law Office Map

DHQ | Divorce Headquarters Divorce
Headquarters ® App Download The App
Questions? Live Chat Pay Your Bill Online
States of Service

Other Office Locations

  • Saint Louis County: 120 S. Central Ave., Suite 450, Clayton, MO 63105: Clayton Office
  • West County: 16024 Manchester Rd., Suite 103, Ellisville, MO 63011: Ellisville Office
  • Jackson County: 256 NE Tudor Rd., Lee's Summit, Missouri 64086: Lee's Summit Office
  • Jefferson County: 16 Municipal Drive, Suite C, Arnold, MO 63010: Arnold Office
  • St. Charles County: 2268 Bluestone Drive, St. Charles, MO 63303: St. Charles Office
  • Franklin County: 5 S. Oak St. Union, MO 63084: Union Office
  • Lincoln County: 20 Centerline Drive, Troy, Missouri 63379: Troy Office
  • Boone County: 1506 Chapel Hill Rd., Suite H, Columbia, MO 65203: Columbia Office
  • Greene County: 901 E. St. Louis, Suite 404, Springfield, Missouri 65806: Springfield, MO Office
  • St. Clair County: 115 Lincoln Place Ct., Ste. 101, Belleville, IL 62221: Belleville Office
  • Madison County: 5 Club Centre Ct., Suite A, Edwardsville, Illinois 62025: Edwardsville Office
  • Sangamon County: 400 S. 9th St., Suite 100, Springfield, IL 62701: Springfield Office
  • McLean County: 1012 Ekstam Drive, Suite 4, Bloomington, IL 61704: Bloomington Office
  • Johnson County: 7300 West 110th Street, Suite 560, Overland Park, KS 62210: Overland Park Office
  • Sedgwick County: 2024 N. Woodlawn Street, Suite 407, Wichita, Kansas 67208: Wichita Office
  • Shawnee County: 800 SW Jackson Street, Suite 812, Topeka, Kansas 66612: Topeka Office
  • Tulsa County: 6660 S. Sheridan Road, Suite 240, Tulsa, Oklahoma 74133 Tulsa Office
  • Monroe County: 116 W. Mill St., Waterloo, IL 62298 (by appt. only): Waterloo Office
  • St. Louis City: 100 S. 4th St., #549, St. Louis, MO 63102 (by appt. only): St. Louis Office
  • Jackson County: 2300 Main St., #948, Kansas City, MO 64108 (by appt. only): Kansas City Office

The choice of a lawyer is an important decision & should not be based solely upon advertisements. See additional disclaimers here.