Since you don’t have a FICO score, you must prove your reliability through other recurring payments. Lenders will typically want to see 12–24 months of on-time history for:
Here is how you can land a mortgage and a front door key without a traditional credit history. 1. Find a "Manual Underwriting" Lender how to buy a house without credit
The Federal Housing Administration (FHA) actually has guidelines for borrowers with "non-traditional" credit. If you have no credit history (not bad credit, but no credit), you may still qualify for an FHA loan with a down payment as low as 3.5%, provided you meet their manual underwriting criteria. 5. Consider Seller Financing Since you don’t have a FICO score, you
How to Buy a House Without a Credit Score Most people think a high credit score is the only "golden ticket" to homeownership. While it’s certainly the standard path, it’s not the only one. If you’ve spent your life paying in cash and avoiding debt, you don’t have a bad score—you have . Find a "Manual Underwriting" Lender The Federal Housing