Can Felons Buy a House?

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Yale","sameAs":"https://www.businessinsider.com/author/aly-yale"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Can Felons Buy a House?","alternativeHeadline":"Can Felons Buy a House? Understanding Rights and Options","image":{"@type":"ImageObject","url":"https://i.insider.com/64a32a4b6075be0019c28ef3?width=1200&format=jpeg","width":1200,"height":900,"caption":"Individuals with a felony conviction often have a hard time finding employment, which can make getting a mortgage tricky."},"name":"Can Felons Buy a House? Understanding Rights and Options","datePublished":"2024-07-22T19:49:22Z","dateModified":"2024-07-22T19:49:22Z","description":"Learn about the rights of felons to buy a house, the challenges they may face, and available options. Discover how to achieve homeownership after a felony.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.If you have a felony conviction, it's definitely still possible for you to get a mortgage and purchase a home. But like all mortgage applications, whether yours is approved depends on your finances and the rules of the lenders you apply with.Legally speaking, there's nothing stopping you from buying a house with a felony conviction. But that doesn't mean it's an easy process.When considering your mortgage application, lenders dig deep into your financial history to make sure you have the ability to pay back the loan, and that you've paid back debts you've owed in the past. But whether they look into your criminal history depends on the lender. Some mortgage lenders do look at an applicant's criminal record, and unfortunately they could decide to deny you or offer you less attractive terms based on your criminal background. But that doesn't necessarily mean they will.This is why it's a good idea to apply with multiple mortgage lenders. You may also want to focus on applying with a local bank or credit union that you already have an established relationship with.If you were incarcerated, the biggest hurdle that could prevent you from getting a mortgage often isn't a lender background check, but the ways your time in prison has negatively impacted your finances. If you were previously incarcerated for a felony conviction, reentry back into the community can be difficult. Often, it's hard to find employment or rental housing, which can make it impossible to get to a place where you're financially ready to purchase a home.Harsh Patel, co-founder of Felony Record Hub which specializes in housing for people with felony backgrounds, says that one of the most common challenges he sees people encounter is with their credit scores and their employment histories.Here are some of the felon home buying challenges you might face:Depending on how long you were incarcerated, you may lack a credit history, which could make it hard to get a mortgage. A poor credit history can do the same.When you're incarcerated, unless someone else is taking care of your finances, you're likely to come home to overdue bills and debts that have been sent to collections once you've served your time. This can seriously hurt your credit score and your ability to take on new debt such as a mortgage.\"Depending on the amount of debt you have, we sometimes encourage them to take a bankruptcy so they don't have to pay that,\" Patel says.A bankruptcy will further push back your homebuying timeline, since many mortgages have restrictions on how soon you can qualify after significant negative credit events like this.If you spent a significant amount of time in prison and have recently returned home, you'll have a gap in your employment that you'll need to explain to your mortgage lender. Lenders want to see that you have had a steady source of income for at least the last two years. A lender may accept a letter of explanation as to why you weren't able to work, as long as you currently have steady employment and have been in your job for a certain amount of time. But if you were released very recently, you may need to wait and build up a solid work history before a lender will consider your application.A lack of income, high debts, or both can make it hard to qualify for a loan. Individuals with a felony conviction often have a hard time finding employment. The jobs that are available to them are generally lower paying, which makes affording homeownership challenging.\"One of the difficulties these individuals face is that on average an individual with some sort of incarcerated background, their income is typically $20,000 to $25,000 per year,\" Patel says. \"And majority of the time with the way home prices are today, they don't qualify.The rules of getting a mortgage are basically the same whether you have a felony conviction or not: You'll need a good credit score, sufficient savings for a down payment, and an acceptable debt-to-income ratio (DTI).On a conventional mortgage, this means having a credit score of at least 620, a minimum down payment of 3%, and a DTI below 50%.If you have a felony conviction and have spent time in prison, you'll likely need to do some work to get your finances to a place where you can qualify for a mortgage. This may include getting your debt sorted out and making on-time payments so you can boost your credit score and lower your DTI. You'll also want to start putting money away toward a down payment.Lenders want to see that you have stable income with which to make your monthly payments. Ideally, you should have at least two years at the same job before applying for a mortgage, though some lenders will make exceptions. Consulting an attorney may be a good idea if you're looking to buy a house post-incarceration. They can walk you through your legal rights and help guide you on the right strategy for buying a home in your specific scenario.When you're ready to apply for a mortgage, it's a good idea to apply with multiple lenders to increase your chances of finding a lender that will work with you and give you the best deal.Applying for a mortgage results in a hard hit to your credit report, which can temporarily lower your score. Be sure to keep all of your applications within the same 45-day window so that multiple hits are seen as a single credit inquiry on your report, minimizing the harm to your score.If you have a low income, look for programs that help low-income borrowers buy a home. There may be grants or affordable mortgages in your area that can make homeownership possible. If you're a Section 8 recipient, you may be able to use your voucher to become a homeowner.You can also explore:Because of their more lenient credit requirements, FHA mortgages are often a great option for people with felony convictions. To qualify for an FHA mortgage, you'll need a credit score of at least 580 and a 3.5% down payment. You generally can't have a DTI above 43% with an FHA loan, unless you have compensating factors (such as a certain amount of money in the bank, called cash reserves). USDA mortgages often require a 640 minimum credit score and a DTI that's no higher than 41%.A VA or USDA loan might also be a good option, since they don't require a down payment. For a USDA loan, you'll need to live in an eligible rural or suburban area to qualify. For a VA loan, you must be a veteran, military member, or a spouse of one.Private lenders sometimes offer loan programs specifically for lower-income borrowers or those with credit problems. Shop around and see what private loan programs could fit your specific situation and homebuying goals.If you're having trouble buying a house, there are places that can help. The following groups offer support for felons buying a house:Many non-profits offer services for those who were formerly incarcerated. These are often local groups, though there are some national organizations that assist with reentry services, including the Formerly Incarcerated, Convicted People & Families Movement, the National Alliance for the Empowerment of the Formerly Incarcerated, the Prisoner Reentry Network, and Truth Be Told.Seeking counseling can also help you better prepare for buying a home. You can look to non-profit credit counseling agencies in your area for financial guidance in regard to your home purchase, and for housing counseling, look to the US Department of Housing and Urban Development.Yes, felons can legally buy a house. There are no laws preventing felons from purchasing property, though there can be challenges qualifying for a mortgage.Challenges include poor credit scores, difficulty in securing stable employment, and potential loan approval hurdles.Options include FHA loans, VA loans, and working with private lenders who may offer more flexible terms.Improving your credit score, securing stable employment, and seeking legal assistance can enhance your homebuying prospects as a felon.Yes, there are non-profit organizations and financial counseling services that can provide support and resources.","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Can felons legally buy a house?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, felons can legally buy a house. There are no laws preventing felons from purchasing property, though there can be challenges qualifying for a mortgage.</p>"}},{"@type":"Question","name":"What are the main challenges felons face when trying to buy a house?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Challenges include poor credit scores, difficulty in securing stable employment, and potential loan approval hurdles.</p>"}},{"@type":"Question","name":"What mortgage options are available for felons?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Options include FHA loans, VA loans, and working with private lenders who may offer more flexible terms.</p>"}},{"@type":"Question","name":"How can a felon improve their chances of buying a house?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Improving your credit score, securing stable employment, and seeking legal assistance can enhance your homebuying prospects as a felon.</p>"}},{"@type":"Question","name":"Are there support programs available for felons looking to buy a house?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, there are non-profit organizations and financial counseling services that can provide support and resources.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages","name":"Mortgages"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages/buy-house-with-felony-conviction","name":"Can Felons Buy a House? 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Understanding Rights and Options</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a></span> and <span class="" data-e2e-name="Aly J. Yale" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/aly-yale" >Aly J. Yale</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-07-22T19:49:22Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-07-22T19:49:22Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" clip-rule="evenodd"/> </svg> <span class="button-text">Share</span> </button> <div class="share-dropdown-menu dropdown-menu"> <span class="dropdown-menu-item"> <span class="share-link facebook " data-facebook data-href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fmortgages%2Fbuy-house-with-felony-conviction&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" label="facebook" title="Share on Facebook" aria-label="Click to share on Facebook" data-share-link data-flip-widget="" data-track-element="story" data-track-event-label="facebook" data-href-share="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fpersonal-finance%2Fmortgages%2Fbuy-house-with-felony-conviction&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" data-e2e-name="share-link-facebook" data-utm-term="" target="_blank" > <span class="dropdown-icon"><svg class="svg-icon social-facebook-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Facebook" > <path fill="currentColor" d="M22 12.037C22 6.494 17.523 2 12 2S2 6.494 2 12.037c0 4.707 3.229 8.656 7.584 9.741v-6.674H7.522v-3.067h2.062v-1.322c0-3.416 1.54-5 4.882-5 .634 0 1.727.125 2.174.25v2.78a12.807 12.807 0 0 0-1.155-.037c-1.64 0-2.273.623-2.273 2.244v1.085h3.266l-.561 3.067h-2.705V22C18.163 21.4 22 17.168 22 12.037Z"/> </svg></span> <span class="dropdown-text headline-regular">Facebook</span> </span> </span> <span class="dropdown-menu-item"> <a class="share-link email " data-email data-share-link href="mailto:?subject=Can Felons Buy a House? 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data-e2e-name="image-caption" > <span class="image-caption-text">Individuals with a felony conviction often have a hard time finding employment, which can make getting a mortgage tricky.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > MoMo Productions/Getty Images </span> </span> </figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#legal-rights-of-felons-to-purchase-a-home" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Legal rights of felons to purchase a home </a> </li> <li> <a href="#challenges" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Challenges </a> </li> <li> <a href="#steps-felons-can-take-to-improve-homebuying-prospects" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Steps felons can take to improve homebuying prospects </a> </li> <li> <a href="#mortgage-options" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Mortgage options </a> </li> <li> <a href="#support-programs-and-resources" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Support programs and resources </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>Some mortgage lenders may choose not to lend to those with a felony conviction; however, it is possible to find lenders that will.</li> <li>The negative financial impacts of being in prison can keep convicted felons from qualifying for a mortgage.</li> <li>FHA mortgages or alternative arrangements such as seller financing may help these individuals become homeowners.</li> </ul><p>If you have a felony conviction, it's definitely still possible for you to get a mortgage and purchase a home. But like all <a href="https://www.businessinsider.com/personal-finance/documents-needed-for-mortgage-application" data-analytics-product-module="body_link" rel="">mortgage applications</a>, whether yours is approved depends on your finances and the rules of the lenders you apply with.</p><h2 data-toc-label="Legal rights of felons to purchase a home" id="legal-rights-of-felons-to-purchase-a-home" class="toc-anchor">Legal rights of felons to purchase a home</h2><p>Legally speaking, there's nothing stopping you from buying a house with a felony conviction. But that doesn't mean it's an easy process.</p><p>When considering your mortgage application, lenders dig deep into your financial history to make sure you have the ability to pay back the loan, and that you've paid back debts you've owed in the past. But whether they look into your criminal history depends on the lender. </p><p>Some <a href="https://www.businessinsider.com/personal-finance/best-mortgage-lenders" data-analytics-product-module="body_link" rel="">mortgage lenders</a> do look at an applicant's criminal record, and unfortunately they could decide to deny you or offer you less attractive terms based on your criminal background. But that doesn't necessarily mean they will.</p><p>This is why it's a good idea to apply with multiple mortgage lenders. You may also want to focus on applying with a local bank or credit union that you already have an established relationship with.</p><p>If you were incarcerated, the biggest hurdle that could prevent you from getting a mortgage often isn't a lender background check, but the ways your time in prison has negatively impacted your finances. </p><h2 data-toc-label="Challenges" id="challenges" class="toc-anchor">Challenges felons may face in buying a house</h2><p>If you were previously incarcerated for a felony conviction, reentry back into the community can be difficult. Often, it's hard to find employment or rental housing, which can make it impossible to get to a place where you're financially ready to purchase a home.</p><p>Harsh Patel, co-founder of <a href="https://www.felonyrecordhub.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Felony Record Hub</a> which specializes in housing for people with felony backgrounds, says that one of the most common challenges he sees people encounter is with their credit scores and their employment histories.</p><p>Here are some of the felon home buying challenges you might face:</p><h3>Credit score issues</h3><p>Depending on how long you were incarcerated, you may lack a credit history, which could make it hard to get a mortgage. A poor credit history can do the same.</p><p>When you're incarcerated, unless someone else is taking care of your finances, you're likely to come home to overdue bills and debts that have been sent to collections once you've served your time. This can seriously hurt your credit score and your ability to take on new debt such as a mortgage.</p><p>"Depending on the amount of debt you have, we sometimes encourage them to take a bankruptcy so they don't have to pay that," Patel says.</p><p>A bankruptcy will further push back your homebuying timeline, since many mortgages have restrictions on how soon you can qualify after significant negative credit events like this.</p><h3>Employment verification</h3><p>If you spent a significant amount of time in prison and have recently returned home, you'll have a gap in your employment that you'll need to explain to your mortgage lender. </p><p>Lenders want to see that you have had a steady source of income for at least the last two years. A lender may accept a letter of explanation as to why you weren't able to work, as long as you currently have steady employment and have been in your job for a certain amount of time. But if you were released very recently, you may need to wait and build up a solid work history before a lender will consider your application.</p><h3>Loan approval challenges</h3><p>A lack of income, high debts, or both can make it hard to qualify for a loan. Individuals with a felony conviction often have a hard time finding employment. The jobs that are available to them are generally lower paying, which makes affording homeownership challenging.</p><p>"One of the difficulties these individuals face is that on average an individual with some sort of incarcerated background, their income is typically $20,000 to $25,000 per year," Patel says. "And majority of the time with the way home prices are today, they don't qualify.</p><h2 data-toc-label="Steps felons can take to improve homebuying prospects" id="steps-felons-can-take-to-improve-homebuying-prospects" class="toc-anchor">Steps felons can take to improve homebuying prospects</h2><h3>Improve your credit score and DTI</h3><p>The rules of getting a mortgage are basically the same whether you have a felony conviction or not: You'll need a good credit score, sufficient savings for a down payment, and an acceptable <a href="https://www.businessinsider.com/personal-finance/debt-to-income-ratio" data-analytics-product-module="body_link" rel="">debt-to-income ratio</a> (DTI).</p><p>On a <a href="https://www.businessinsider.com/personal-finance/conventional-mortgage" data-analytics-product-module="body_link" rel="">conventional mortgage</a>, this means having a credit score of at least 620, a minimum down payment of 3%, and a DTI below 50%.</p><p>If you have a felony conviction and have spent time in prison, you'll likely need to do some work to get your finances to a place where you can qualify for a mortgage. This may include getting your debt sorted out and making on-time payments so you can boost your credit score and lower your DTI. You'll also want to start putting money away toward a down payment.</p><h3>Secure stable employment</h3><p>Lenders want to see that you have stable income with which to make your monthly payments. Ideally, you should have at least two years at the same job before applying for a mortgage, though some lenders will make exceptions. </p><h3>Seek legal assistance</h3><p>Consulting an attorney may be a good idea if you're looking to buy a house post-incarceration. They can walk you through your legal rights and help guide you on the right strategy for buying a home in your specific scenario.</p><h2 data-toc-label="Mortgage options" id="mortgage-options" class="toc-anchor">Mortgage options for felons</h2><p>When you're ready to apply for a mortgage, it's a good idea to apply with multiple lenders to increase your chances of finding a lender that will work with you and give you the best deal.</p><p>Applying for a mortgage results in a hard hit to your <a href="https://www.businessinsider.com/personal-finance/what-is-credit-report" data-analytics-product-module="body_link" rel="">credit report</a>, which can temporarily lower your score. Be sure to keep all of your applications within the same 45-day window so that multiple hits are seen as a single credit inquiry on your report, minimizing the harm to your score.</p><p>If you have a low income, look for <a href="https://www.businessinsider.com/personal-finance/home-loans-for-low-income" data-analytics-product-module="body_link" rel="">programs that help low-income borrowers buy a home</a>. There may be grants or <a href="https://www.businessinsider.com/personal-finance/best-first-time-homebuyer-loans" data-analytics-product-module="body_link" rel="">affordable mortgages</a> in your area that can make homeownership possible. If you're a <a href="https://www.businessinsider.com/personal-finance/section-8-homeownership-program" data-analytics-product-module="body_link" rel="">Section 8</a> recipient, you may be able to use your voucher to become a homeowner.</p><p>You can also explore:</p><h3>FHA loans</h3><p>Because of their more lenient credit requirements, <a href="https://www.businessinsider.com/personal-finance/fha-loan" data-analytics-product-module="body_link" rel="">FHA mortgages</a> are often a great option for people with felony convictions. </p><p>To qualify for an FHA mortgage, you'll need a credit score of at least 580 and a 3.5% down payment. You generally can't have a DTI above 43% with an FHA loan, unless you have compensating factors (such as a certain amount of money in the bank, called cash reserves). USDA mortgages often require a 640 minimum credit score and a DTI that's no higher than 41%.</p><h3>VA and USDA loans</h3><p>A VA or <a href="https://www.businessinsider.com/personal-finance/usda-loan" data-analytics-product-module="body_link" rel="">USDA loan</a> might also be a good option, since they don't require a down payment. For a USDA loan, you'll need to live in an eligible rural or suburban area to qualify. For a VA loan, you must be a veteran, military member, or a spouse of one.</p><h3>Private lenders</h3><p>Private lenders sometimes offer loan programs specifically for lower-income borrowers or those with credit problems. Shop around and see what private loan programs could fit your specific situation and homebuying goals.</p><h2 data-toc-label="Support programs and resources" id="support-programs-and-resources" class="toc-anchor">Support programs and resources</h2><p>If you're having trouble buying a house, there are places that can help. The following groups offer support for felons buying a house:</p><h3>Non-profit organizations</h3><p>Many non-profits offer services for those who were formerly incarcerated. These are often local groups, though there are some national organizations that assist with reentry services, including  the Formerly Incarcerated, Convicted People & Families Movement, the National Alliance for the Empowerment of the Formerly Incarcerated, the Prisoner Reentry Network, and Truth Be Told.</p><h3>Financial and housing counseling services</h3><p>Seeking counseling can also help you better prepare for buying a home. You can look to non-profit credit counseling agencies in your area for financial guidance in regard to your home purchase, and for housing counseling, look to the US Department of Housing and Urban Development.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Homebuying with a felony FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can felons legally buy a house? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, felons can legally buy a house. There are no laws preventing felons from purchasing property, though there can be challenges qualifying for a mortgage.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the main challenges felons face when trying to buy a house? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Challenges include poor credit scores, difficulty in securing stable employment, and potential loan approval hurdles.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What mortgage options are available for felons? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Options include FHA loans, VA loans, and working with private lenders who may offer more flexible terms.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can a felon improve their chances of buying a house? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Improving your credit score, securing stable employment, and seeking legal assistance can enhance your homebuying prospects as a felon.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there support programs available for felons looking to buy a house? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, there are non-profit organizations and financial counseling services that can provide support and resources.</p> </div> </div> </div><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/aly-yale" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="aly-yale"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/61096c6d372268001a596aec?crop=1:1&width=256&format=jpeg&auto=webp" alt="A headshot of writer Aly J Yale."> <noscript> <img src="https://i.insider.com/61096c6d372268001a596aec?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/aly-yale" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Aly J. Yale</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Aly J. Yale is a writer and editor with more than 10 years of experience covering personal finance topics including mortgages and real estate. She contributes to Personal Finance Insider’s mortgages and loans coverage.</span><span><span class="headline-semibold">Experience</span></span><span>Aly began her journalism career as reporter, and later an editor, for several neighborhood sections of the Dallas Morning News.</span><span>Her work has been published in several national publications, including Bankrate, CBS, Forbes, Fortune, Money, Newsweek, US News and World Report,  the Wall Street Journal, and Yahoo Finance. She’s also contributed to a variety of mortgage and real-estate publications, such as The Balance, Builder Magazine, Housingwire, MReport, and The Mortgage Reports. </span><span>Her favorite personal finance tip is to schedule regular check-ins to make sure your credit cards, savings accounts, and other financial vehicles still align with your budget and financial goals. She is a member of the National Association of Real Estate Editors (NAREE).</span><span><span class="headline-semibold">Expertise</span></span><span>Aly’s areas of personal finance expertise include:</span><ul><li><span>Mortgages</span></li><li><span>Loans</span></li><li><span>Real estate</span></li><li><span>Insurance</span></li><li><span></span></li></ul><span><span class="headline-semibold">Education</span></span><span>Aly is a graduate of Texas Christian University, where she received a bachelor’s degree in radio/TV/film and news-editorial journalism.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - 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