Issue Encyclopedia · Guideline F · Financial
Mortgage / Home Loan Debt
What the decided record shows for this issue, computed from public DOHA hearing-level decisions. Descriptive history, not a prediction.
Official mitigating conditions cited
The formal mitigating conditions (by official paragraph) that case profiles identified on this issue, in cases that were granted vs denied. Extracted for a subset of cases; counts are numbers of cases, not rates. Read what each condition says.
| Condition | In granted cases | In denied cases |
|---|---|---|
| ¶ 20(b) | 561 | 29 |
| ¶ 20(d) | 488 | 44 |
| ¶ 20(c) | 316 | 22 |
| ¶ 20(a) | 162 | 6 |
| ¶ 20(e) | 40 | 7 |
| ¶ 20(g) | 10 | 3 |
Circumstances credited in granted cases
Specific circumstances the judge expressly credited, among the granted cases on this issue where that detail was extracted (a subset of the record, so these are raw counts, not rates).
- debt paid in full · credited in 3 granted cases
- chapter 7 bankruptcy · credited in 2 granted cases
- financial counseling · credited in 2 granted cases
- passage of time · credited in 1 granted case
- payment plan with creditor · credited in 1 granted case
Recent decided examples
- ISCR 07-00767 granted · 2008The applicant in this case was a 48-year-old administrative secretary employed by a defense contractor, seeking a Department of Defense security clearance. The Statement of Reasons (SOR) issued on Aug…
- ISCR 07-01077 granted · 2008The applicant in this case was a 50-year-old senior financial assistant employed by a defense contractor, who sought a security clearance after previously holding one while working for the federal gov…
- ISCR 06-26733 denied · 2007The applicant in this case was a 44-year-old associate designer for a Department of Defense contractor, who had a history of significant financial difficulties, including two prior bankruptcies. The D…
- ISCR 07-00553 denied · 2008The applicant in this case was a 35-year-old systems engineer employed by a defense contractor since January 2003, seeking to maintain his security clearance. The Department of Defense issued a Statem…
Related issues under Guideline F
- Credit Card Debt · 4,694 cases
- Medical Debt · 3,844 cases
- Unpaid Federal/State Taxes · 3,187 cases
- Auto Loan / Vehicle Repossession · 2,794 cases
- Utility / Phone / Cable Debt · 2,339 cases
- Student Loan Debt · 2,229 cases
For questions about how this issue has been treated on particular facts, the assistant searches the record, and the CASE Prep service provides a written, human-reviewed response. Descriptive research only: not legal advice or a prediction.