The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Can You Get a Mortgage If You Owe the IRS? Here’s What Homebuyers Need to Know

By Scott Sheldon / July 16, 2026

Finding out you owe money to the IRS can be stressful. Between tax notices, payment plans, and trying to get your finances back on track, many people assume buying a home is no longer an option. Fortunately, that’s often not the case. One of the most common misconceptions in mortgage lending is that owing back…