Does having a felony affect buying a house? Thinking about buying a house but worried your felony might stand in your way?
You’re not alone! Many people with felony convictions wonder how their past might affect their homeownership goals.

Can Felons Buy A House?
First, the good news – many people with felonies become homeowners every year. Having a felony won’t stop you from buying a home. You have the right to buy any property you can afford, and your homebuying process will be similar to everyone else’s. With stable employment and a good credit score, getting approved for a mortgage can actually be easier than qualifying for an apartment rental.
However, there are a few things you’ll need to keep in mind as you start your home-buying journey.
How Does Having A Felony Affect Buying A House?
Lenders are primarily concerned with your ability to make your monthly mortgage payments. While some lenders may choose to look at your criminal history, many don’t. Your biggest challenge will be securing a mortgage if your credit score has taken a hit because of missed payments during a period of incarceration.

You’ll also need to watch out for Home Owners’ Associations (HOAs). Some HOAs reserve the right to approve or reject residents, and your felony might result in a denial, making it impossible to purchase a home in that community.
Difficulty obtaining homeowner’s insurance is another problem you could face because of your felony. Since mortgage companies typically require borrowers to have insurance to cover the cost of major repairs and rebuilding, you may need to work with an insurance broker to get the coverage you need.
Shopping For A Home Loan With A Felony
When applying for a mortgage, the deciding factors are usually your credit score, income, and debt-to-income ratio. While many lenders don’t conduct criminal background checks, a recent incarceration may come up if there are gaps in your employment or address history.
It’s wise to work with a mortgage broker, especially if you have a low credit score. They can help you find lenders who are more likely to approve your application, even if your felony is disclosed.
Before you start house hunting, get a mortgage pre-approval. Pre-approval sets your budget, and most real estate agents won’t show homes or submit offers without it.

Be ready to provide:
- Full name, birth date, and Social Security number
- Current address and residence history (2 years minimum)
- Employment history and W-2 forms (past 2 years)
- Pay stubs and federal tax returns (last 30 days, past 2 years)
- Bank account balances and statements
- Information on debt obligations (credit cards, loans, alimony, child support, etc.)
- Proof of rent payments (past 12 months)
- Confirmation of bankruptcies or foreclosures (if applicable)
- Details if any part of your down payment will be borrowed
Are Felons Eligible For First-Time Buyer Programs?
Yes, felons can be eligible for first-time buyer programs. These programs often offer perks like low or no down payments, closing cost assistance, or federal tax credits. If you qualify for a mortgage, you’ll likely qualify for first-time buyer assistance. However, if you’re seeking a Federal Housing Administration (FHA) loan or state-sponsored first-time buyer assistance, you’ll need to work with an approved lender, which may limit your choice of mortgage provider.
Fortunately, there are no background check requirements for FHA loans. These loans are easier to qualify for and are a popular choice for borrowers with low credit scores and small down payments. You’ll need a 3.5% down payment with a credit score of 580 or higher, or a 10% down payment if your score is between 500 and 579. Your debt-to-income ratio must be 43% or less.
It can be bewildering trying to figure out which loan program will bring you the most benefits. Consult with a mortgage broker to determine the best loan program for you.
Can A Felon Buy A House In Florida?
Yes, felons have the same right to buy a home in Florida as anyone else. However, homeowner’s association rules could mean you won’t be able to buy the house you want. Florida gives HOAs significant control, and many require residency approval. Having a felony could disqualify you under the HOA’s “acceptable character” policies.
To avoid this, consider buying a home that’s not part of an HOA community. This can be tricky, though. According to Doorloop, almost 4 million homes in Florida belong to homeowners’ associations – that’s 45% of all homes in the state.
Next Steps
If your felony is fairly recent, talk to a mortgage broker to find the best lenders for your situation. Gather the necessary documents for mortgage preapproval and check whether the neighborhoods you’re interested in are part of an HOA community. Be sure to review the HOA rules to avoid any restrictions related to your felony.
Read More Articles
FAQs
What is defined as a felony
A felony is a serious crime, typically punishable by imprisonment of more than one year or death. Examples include theft, assault, murder, and drug trafficking.
What is the most common felony?
The most common felonies include drug crimes, property crimes such as burglary and theft, and violent offenses like assault.
What does the name felony mean?
The term felony generally refers to a category of serious crimes as opposed to misdemeanors. In some jurisdictions, felonies are defined by their severity and the punishment associated with them.
What is a felony in the USA?
In the USA, a felony is classified as a crime that carries punishment of incarceration for more than one year, significant fines, and often restrictions on the individual’s rights post-conviction.