Menu FREE Consult Request
DUI and Criminal Law Specialists
${site.data.firmName}${SEMFirmNameAlt}
Available to help 24/7
480-248-7666
Where were you arrested? A DUI is a state offense, but each jurisdiction handles them slightly differently.

Will a DUI hurt your chances of getting a mortgage?

Being charged with a DUI often carries consequences that extend beyond the legal ramifications of the crime. One common concern for people who have been charged and convicted for driving under the influence is whether or not their chances of getting a mortgage will take a hit. While the answer depends on a number of factors, there is certainly cause for concern.

DUIs and home loans

It is important to remember that lenders care about getting their money back, with interest over the years. Although many mortgage lenders typically restrict their financial checks to your credit score, there is nothing to stop them from digging as deep as they need to in order to check further. Like any criminal conviction, a DUI is a matter of public record. Will the bank check those records? It’s best not to lose control over your financial destiny. That’s one reason why fighting a DUI charge is so important for you and your family.

When you apply for a home loan, you are required to disclose a wide range of information. So long as your DUI is not a felony charge, though, you may not be required to disclose it. Nevertheless, if for some reason you are required to disclose your DUI conviction or your lender discovers it on their own, it could raise unnecessary red flags.  

Liens from bail bond

If you post a bail bond after you are arrested for a DUI, your bail bondsman will likely record a lien against your property. Once you show up for court, the bond will be exonerated and your bail bondsman should then record a release of the lien. If for some reason they do not record a release, though, you will have to get them to record the release before you are able to acquire a home loan. 

How to keep a DUI from hurting your chances of getting a home loan

By far the best way to keep a DUI from hurting your chances of getting a home loan is to keep it off your record entirely. This is the best case scenario, and if a DUI is kept off your record then it has no way of holding you back from getting a home loan. It's also important to try and keep the expenses associated with a DUI from driving you into debt, as this can cause your credit score to take a major hit.

If you have been charged with a DUI and are looking to minimize its effects on your life, we urge you to contact our office today. If you have already plead guilty, contact us to see about a set-aside or Arizona's version of expungement. 

No Comments

Leave a comment
Comment Information
We play an active role in the civic life of the Phoenix metropolitan area.
We support Scottsdale's Taste of the Town festival that benefits the local chapter of the Muscular Dystrophy Association as well as the annual Toys for Tots campaign. Our firm also contributes to a number of other local organizations, including Home 'Fur' Good, a nonprofit dedicated to eliminating the euthanasia of adoptable homeless cats and dogs in Maricopa County.
Rosenstein Law Group Best Lawyers 2020 Avvo Rating 10.0 Superb Top Attorney DUI Super Lawyers Arizona Trial Lawyers Association Attorney At Law Magazine Contributing Editor Arizona Attorneys For Criminal Justice Established 1986

Free Consultation With A Drunk Driving Defense Lawyer

When you need effective, strategic defense, contact us 24 hours a day, seven days a week at 480-248-7666. We are ready and waiting for your call.

Bold labels are required.

Contact Information
disclaimer.

Submitting your information to us through this web form does not establish an attorney-client relationship. Information submitted through this web form is not confidential, not subject to attorney-client privilege, and will not preclude this law firm from representing a different client in the same legal matter. We do not represent you until you meet with us and sign a fee agreement. Please do not send us any confidential information about your case until we meet.

close

Privacy Policy

Free Consultation With A Drunk Driving Defense Lawyer FREE Consult Request