Can I get FHA with late payments?
Maybe. Old late payments are usually OK. Recent lates — especially mortgage lates in the last 12 months — are a major obstacle.
What this actually means.
FHA looks at the recency, frequency, and type of late. One isolated late from 18 months ago is workable; multiple recent lates on a mortgage or rent are usually a deal-killer until the file ages.
Where this can move.
Recent late payments, thin credit history, disputed accounts, lender overlays, and automated underwriting findings can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.