effect of judgement on new house loan

[sekou8212]

I have sign all paperwork and the house is being built presently.  my credit score is 619 and i am trying to increase it, but i received a letter that a "judgement have being enter and docket against me for 1888.88"  presently it is not on my credit report.  how will it affect my closing which is due in 4 months.  ppppplease help me

[ShanetheMortgageMan]

The title company does a public records search, which they base on the information you to fill out in a "statement of information".  Additionally, you are required to disclose if you've been hit with a judgment.  If the judgment doesn't appear on the public records search by title, and only is on your credit, there are a few loan programs that wouldn't require it to be paid.  To get specific answers for your situation, you should speak to the lender who you've approved with.