Is it possible to get approved for usda loan with late payments?

Asked by Az, Horizon City, TX Thu Feb 6, 2014

On credit report, I was off 3 months maternity leave and fell behind on credit card payments, and has usda been extended for recent eligible areas, if so until when?

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Tony Grech, Mortgage Broker Or Lender, Southfield, MI
Thu Feb 6, 2014
Late payments in and of itself won't disqualify you from getting approved, provided your current credit scores are high enough, you've gotten caught up on the lates, and they were isolated incidents rather than a recurring pattern of disregard for your liabilities.

However, a lender would have to review your credit profile as a whole in order to make any determination. If the credit cards got charged off or sent to collections then it may take a little longer to get you eligible.

In any case, you'd have to speak to a lender directly to find out for sure if you can be approved.

I can assist you with this. Feel free to give me call or email me at your convenience.


Tony Grech | Mortgage Loan Originator | NMLS 977416
PMAC Lending Services, Inc.
Direct (248) 728-0078 | Fax (248) 595-7130 | Cell (313) 622-7383
0 votes
Gilbert, , El Paso, TX
Thu Feb 6, 2014
AZ, I'm a local Mortgage Loan Originator and specialize in USDA please give me a call or shoot me an email.

Gilbert Madrid
Sun City Home Loans
Mortgage Loan Officer
NMLS ID : 225547
1121 Larry Mahan STE B
El Paso, TX 79925
915-540-5788 / 915-592-3300
Fax 915-592-3302
0 votes
Rick Snow, Agent, El Paso, TX
Thu Feb 6, 2014
Good Morning AZ. I have some homes available in Horizon and a lender that may be able to work with you.

Give me a call and we will see what we can do. 915-317-6695
0 votes
rbg00, , Texas City, TX
Thu Feb 6, 2014
Dear Home Buyer,

We render rehab loan services to both individual and cooperate organizations at an affordable interest rate. Kindly provide more information on the funding you need for further review.

Warm regards

Christina Woods
Financial Secretary,
0 votes
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