Why Your Medical Debt Is Not Denying Your FHA Loan

October 13, 2026

100+ MORTGAGE LENDERS, SO YOU GET THE BEST.

BARE BONES CLOSING COSTS. NO JUNK FEES.

CUSTOM GUARANTEES FOR EVERY SITUATION.

BENEFITS YOU'LL NOT FIND ANYWHERE ELSE.

HAVE BANKS COMPETE FOR YOUR BUSINESS.

Specialized In Jumbo Loans, Investor Loans, DSCR Loans, Non-QM Financing, Commercial Mortgages, and Tax-Informed Lending Strategies

Published By

David Ghazaryan

Owner / Broker / Banker

Contact Me At

(702) 766-3744

NMLS 1486726

TL;DR

FHA guidelines often ignore medical collection accounts, regardless of the balance, making homeownership more accessible.
Individual lender rules, called 'overlays', can be stricter and are the primary reason for medical debt-related denials.
Understanding how to document and present your case to the right lender is key to FHA approval in Texas.

Read the full blog article here: https://www.iqratemortgages.com/blog/can-medical-debt-stop-an-fha-loan-in-el-paso-texas

Video Transcript:

Everyone thinks medical debt will stop their FHA loan approval. I, David Ghazaryan, know the real problem is lender overlays. FHA's math ignores medical collection debt without a payment plan. This lets us find the right lenders without extra rules. One lender’s denial reflects their rules, not your true eligibility. My platforms explain more. Find the links in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/can-medical-debt-stop-an-fha-loan-in-el-paso-texas

David Ghazaryan

Smart, Strategic, and Stress-Free Mortgages
- Expertly Crafted by David Ghazaryan

Take the Next
Step Today

or Schedule a Free Consultation

Prefer to speak with someone? Call us at (702) 766-3744

Big iQRATE Mortgage Icon