Usually not. Mortgage underwriters generally look past medical collections because medical debt is widely viewed as different from financial mismanagement. Modern FICO models heavily discount medical collections, and recent rules have removed many smaller medical collections from credit reports entirely. Larger, recent medical collections can still cause issues — but for most Texas buyers, an old medical collection is not the thing that will sink your loan.
Will medical collections stop me from getting a Texas mortgage?
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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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