Your CAIVRS Report & Home Loans

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What a CAIVRS Report is For?

CAIVRS Report - Mortgage
CAIVRS Report – Mortgage

What is a CAIVRS Report?  Simply put, CAIVRS allows the US Government to find out who has delinquent Federal Debt.  CAIVRS stands for “Credit Alert Verification Reporting System.”  Lenders offering Federal Loan programs use CAIVRS to make sure a borrower is not behind or default on other Federal debt.

Every borrower applying for a government insured home loan is pre-screened by CAIVRS.  When a CAIVRS report reveals a borrower is default on Federal Debt, they cannot obtain a new home loan except for in some extenuating circumstances.  Borrowers without defunct Federal Debt produce a blank CAIVRS.  In other words, a blank report is good when it comes to CAIVRS.

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How CAIVRS Obtains it’s Data 

The government’s CAIVRS system pulls data for from several different official databases.  For example:

CAIVRS Report’s in Mortgage Lending

A CAIVRS report is run for all borrower’s that apply for an FHA, VA or USDA home loan.  When they fail the CAIVRS screening they are not eligible for an FHA, VA or USDA home loan.  Mortgage lenders use CAIVRS to ensure they do not continue extending Federally insured loans to those defaulted on other Federal Debt.  Lender’s also use CAIVRS to help the Fed track down those who owe money on defaulted Federal Loans.

When a borrower has something show up on their CAIVRS they can often “clean it up” and pay the Federal Debt that shows in default.   A mortgage lender can regenerate a CAIVRS once a borrower notifies them the debt has been paid.  Also, foreclosures on federally insured mortgages will show up on CAIVRS.  However, when borrower’s are past the required foreclosure wait period they are eligible for government insured home loans relative to CAIVRS.

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HINT:  When your lender asks you “are you default on any federal debt?” do NOT try to hide anything.  It will pop up on your CAIVRS and could cost you time and money once you get into final loan processing and underwriting.

By Jeremy House
CAIVRS Report and Your Mortgage Approval


  1. We (my husband, and I) had a chapter 7 discharge granted in October of 2011 in which we included our house in. The circumstance of the chapter 7 was an overwhelming amount of med. bills which were incurred due to 1. being uninsured, and 2. my son almost perishing. I was a homemaker, so unfortunately I do not think I would be able to get the “back to work exception.” Albeit, I have since been at my current job for 1.5 years, received 2 raises and a promotion. My husband also got a better paying job (he has now been at 5 years with several raises and a promotion.)

    Fast forward to today…We were told all is good, and we thought we were in the clear, so we have put a contract on a house, and got to the final process, and come to find out I am not on the Caivrs list, but my husband is! I talked with them, and got them to readjust the date to Dec. 2015 ( as they did have it at Jan. 2017!) for my husband, but obviously this is not enough. My husband was listed as the co-buyer on this new home we have a contract on (due to his higher income, and my higher credit score.)

    Our current loan officer says we have a strong profile (we have really built back up well,) so it’s a crying shame, as we already put down escrow, and appraisal fees. What is worse is that it’s a deal of a lifetime, and I feel the loan officer isn’t working with us as much as he should be to rectify the situation. I am 100% lost, and feeling defeated. We even cancelled Christmas, so we could get this house (no tree, no presents, and working extra hours.)

    I have limited time, and feel so very very lost. The stress/anxiety has been getting to me so much I can’t even sleep at night. I am 100% devastated. Any guidance would be very much appreciated. I am honestly considering seeing if our chances are better with a different lender.

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