This is where all mortgage loans ARE created equal.

Outstanding judgments that are NOT paid must be paid before they will loan to you.

Period.

The reason is that most judgements will turn into liens on property once you actually purchase property….not always, but most of the time, yes.

Your lender is 100% correct.

Pretty much true. Generally speaking, you will be denied a mortgage loan if there are outstanding judgments remaining unpaid. The lender is correct. As soon as you take ownership of the property, these judgments can be converted to liens against the property. Lenders don’t like such liens.

They are correct. Pay off the judgments (or settle with the company) and then apply for a mortgage.

if you have those things on your credit it will be difficult to get a mortgage because the lending industry is losing millions on bad debt. So they have much less tolerance for potential loss. Basically they are less willing to make risky loans. And with three negatives on your credit, you would possibly be seen as a risky loan. If you did get a mortgage it would most certainly be at a higher interest rate.