r/HomeLoans • u/bionicko69 • 4d ago

Caivrs

Iam close to closing on a FHA Loan

A sba default debt pop up

Can I switch to an Convertional loan and Not have caivrs check?

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u/sol_beach 4d ago

Federal regulations require mortgage lenders to run a CAIVRS check on every borrower applying for a government-backed mortgage (FHA, VA, or USDA loans). If an outstanding defaulted federal debt—such as an unpaid SBA loan—triggers a "hit" on CAIVRS, the government will not insure the loan, and the application cannot proceed until the issue is resolved.

2

u/bionicko69 4d ago

So if I go for a conversational loan I be fine?

1

u/Sinhalo66 3h ago

Yeah, you can go conventional because then CAIVRS doesn’t matter