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If you owe back child support can you get a home loan?

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Yes! my husband owed over 20K in arrears to the State he however has good credit (hard to believe but true) and has a good employement history. He qualified for a FHA loan and we closed on our first home last year. Throughout the loan process you will be discouraged and sometime denied because of the arrear on your credit but it all depends on who your broker is. I would not go straight to a big bank and apply for a loan but if you are current on your cs payments and owe arrears but have good credit and a decent debt to income ratio if it worked for us then it will work for you...We live in California.

Another Perspective
A custodial parent who is owed arrears should follow through with Child Support Enforcement and obtain a Child Support Lien that can be recorded in the land records. Once the lien has been recorded a lender will require the arrears be paid off by the obligor and the lien released before it will loan mortgage funds. The laws may vary from state to state.
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