If you owe child support / arrears, NO lender will give you a loan for the following reasons:
1. Lenders need to be in 1st position when financing a home to buy. This means if the buyer defaults or pays late on the loan, your lender has the authority to take legal action against you and foreclose on your home. When buying a home, technically you do NOT own it. Your lender owns your home until the loan is paid in full.
2. If a buyer owes money to the county, state or IRS for taxes, child support, etc. then your lender is automatically in 2nd position because the state, county or tax authority is automatically in 1st position. This means if you fail to pay child support, New York State will take legal action against you and foreclose on your home or put a lien on it. Your lender is using your home as collateral for the loan. If the state takes your home, your lender has nothing to guarantee the loan with because the lender just lost control of your home. Typically what lenders do is they will pay your arrears and then charge you the amount of the arrears as part of your mortgage payment. So your monthly mortgage payment will increase for the life of the loan. Your lender will also charge you additional fees for this.
3. At this point, you cannot afford to buy anything. You need to learn that in addition to a mortgage, you will need to pay property taxes, homeowners insurance, higher electric bills, etc. Sorry, but paying child support has a higher priority than buying a home. You should have thought about this before you had a child.