Yes. If you have a defaulted federal student loan, you will get flagged in CAIVRS — a federal database that blocks FHA, VA, and USDA loan approvals until the default is resolved. This can block your mortgage even if your credit score is 720 or higher. Conventional loans do not check CAIVRS, so that may be a workaround if your other numbers qualify. The federal Fresh Start program that cleared CAIVRS hits ended in October 2024, so most borrowers now need to go through loan rehabilitation or consolidation.
Can student loan collections block a mortgage even with a good credit score?
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About the Author: Logan Skidmore
With over two decades of deep-rooted experience in the financial and property markets, Logan Skidmore is a powerhouse in the credit restoration industry. As a co-founder of The Credit Repairmen in 2011, Logan has established himself as a preeminent expert in credit score optimization, strategic repair, and the laws that govern the credit and credit repair industries.
His journey into advocacy began with an 8-year tenure as a mortgage loan officer, paired with 22 years of active real estate investing—roles that revealed the critical, often life-changing impact of a healthy credit profile. Driven by the desire to help others navigate the complexities he witnessed firsthand, Logan co-founded his firm to provide elite, law-based solutions that empower clients to reclaim their financial freedom and achieve their homeownership goals.
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