Post-Settlement Mortgage Readiness Tracker

Estimate when you'll be eligible for FHA, VA, USDA, or conventional mortgages after completing debt settlement, based on your last settlement date and current credit score.

Enter Your Details

Date of Last Settled Account

The most recent date a debt was settled (not when you started the program)

Current Credit Score (FICO or VantageScore)

Pull free at annualcreditreport.com or via your bank's credit monitoring

VA Loan Eligibility

Buying in Rural Area?

Many "rural" areas include suburbs and small towns. Check at usda.gov/eligibility

Estimated Down Payment Available

Your Mortgage Eligibility

Eligibility windows are general industry standards. Individual lenders have additional "overlay" requirements. Manual underwriting can sometimes approve cases shorter than these timelines if compensating factors are strong.

Educational tool only. Loan eligibility decisions depend on many factors beyond seasoning periods and credit scores, including DTI ratio, employment history, asset reserves, and lender-specific overlays. This tool provides general industry guidance, not pre-qualification. Speak with a loan officer for an actual eligibility determination when you're ready to apply.