Are collections stopping you from becoming a homeowner? You’re not alone—and the good news is, you still have options.
In this video, I break down exactly how collections affect your mortgage approval, what lenders look for, and how to create a strategic path to homeownership even with derogatory credit.
We cover:
How collections impact your debt-to-income ratio
What types of collections are most concerning (judgments, student loans, etc.)
How to negotiate payment plans that work in your favor
The importance of written agreements
Understanding credit scores, timelines, and loan program options (FHA, VA, conventional, Non-QM)
📲 Want a personalized mortgage game plan?
Schedule your call at: https://kevinbrierton.com
Or call/text me at 480-553-8770
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Kevin Brierton
Branch Manager - Certified mortgage planning specialist - CLA
NMLS #599873
Scottsdale, AZ
CONNECT WITH ME
kevin@kevinbrierton.com
www.kevinbrierton.com
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ABOUT KEVIN BRIERTON
I have been in mortgage banking since 2004. During this time, I have successfully helped more than 1,650 families with more than $500 Million in residential mortgages, placing me consistently among the top in the industry. I spend the 1st Friday of every month studying all of our products, guidelines, & lending criteria.
In addition, I work closely with our underwriting & secondary markets to fully understand all our mortgage products to ensure I am able to empower more families to gain homeownership. Our team of fully trained mortgage specialists has the attitude of “how can we make this loan work” rather than just assuming it won’t. Other Lenders find problems, we find solutions, and we are excited to find a solution for you & your Family!
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