Buying a House with Garnishemnt on Credit

Asked by Julie8621, Cleveland, OH Wed Apr 10, 2013

I want to buy a house with in the next couple months. I have a great credit score 750 or higher. I dont make a lot of money. My boyfriend on the other hand makes more money than me but is being garnished for a car when he was 18. he currently has a new 2012 truck and I am a co-signer on it and he has never made a late payment since we got it in june 2012. How is all this going to work or is it going and where should I got to get a home loan?

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, ,
Fri Apr 26, 2013
This is not a problem for make sense lender. A garnishment in a sense, is a guarantee to the Underwriter, that they will not have to worry about you not paying a collectable debt again. Your boyfriend I'm assuming didn't go to court and contest his case or if he did, he did not make restitution so the creditor took him back to court and got a judgement and they levied his paycheck. Either way it doesn't matter. As long as he's been paying for at 3 months he is good to go. Let us know if you need assistance as we are licensed in TX and or OH.

FYI, for those consumers and even Realtors unfamiliar with mortgage lending guidelines, we can actually fund a home loan when a borrower has either a Child Support, IRS and even State Tax Liens.

Best of Luck!
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Dixon Wong, Agent, Dallas, TX
Thu Apr 11, 2013
Hi Julie,

Are you looking in Texas or OH area?

If you are in TX, I would have lender than will able to give you a free consultation.

Let me know.


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Julie8621, Home Buyer, Cleveland, OH
Wed Apr 10, 2013
Im sorry this is for cleveland OH I dont know why it put it to TX.
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, ,
Wed Apr 10, 2013
Never seen a person in Texas getting garnished except for Child Support and maybe govt debt.

Did this car deal happen in another State?

What is his scores?

Tom Burris
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