Debt Payoff Guide is a free service that connects consumers with third-party debt-relief providers. We are not a lender, law firm, credit-counseling agency, or debt-settlement company, and we do not provide financial, legal, or tax advice. Information here is general and not a recommendation.
There is no fixed waiting period, but most people need time to rebuild credit first. Mortgage lenders look at your score, debt-to-income ratio, and payment history, settlement marks and missed payments weigh on all three. Many buyers spend one to two years rebuilding credit and saving before they apply.
Related: How Debt Relief Works · what debt relief costs · debt payoff calculator.
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