We Understand What You're Going Through
Having no credit history affects an estimated 26 million adults in the US, making it difficult to qualify for mortgages using traditional lending criteria. Many lenders rely heavily on credit scores, which can't be calculated for individuals without credit history. This creates a Catch-22 where people can't get credit because they don't have credit. Alternative methods of establishing creditworthiness exist, but many lenders aren't equipped to evaluate them.
26 million adults in the US lack credit history.
Understanding No Credit History Mortgages
Having no credit history is different from having bad credit. While many lenders use the same evaluation criteria for both situations, there are distinct mortgage options for borrowers with no credit history.
At NMHL, we specialize in helping these borrowers qualify using alternative credit methods, including FHA manual underwriting and alternative credit programs.
Alternative credit methods can help you qualify for a mortgage.
Benefits of NMHL's No Credit History Mortgage Programs
NMHL's no credit history mortgage programs offer several benefits, including:
- Flexible income verification
- Non-traditional credit references
- Lower debt-to-income ratios
Our loan officers will guide you through the required documentation and navigate any challenges that arise during the process.
Multiple program options available for borrowers with no credit history.
How to Get Started with NMHL's No Credit History Mortgage Programs
Contact NMHL today to speak with a loan officer and get pre-approved. We'll evaluate your financial situation and identify the best mortgage options for your needs.
Our loan officers will guide you through the pre-approval and application process, ensuring a smooth and efficient experience.
Personalized guidance from experienced loan officers.
You're Not Alone in This
Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.
Solutions for No Credit History Mortgage in Michigan
NMHL offers multiple pathways to homeownership for Michigan borrowers.
Your Path to Homeownership in Michigan
A simple, guided process from start to finish.
Free Consultation
Speak with a licensed loan officer about your situation
Explore Your Options
We identify the best loan programs for your needs
Get Pre-Approved
Submit a quick application with no credit impact
Close with Confidence
Dedicated support through closing day
See What You Qualify For
Complete your mortgage application in minutes — no login required, no credit impact
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Call (855) 513-2749 to speak directly with a licensed Michigan loan officer about your situation. Free consultation, no obligation.
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No Credit History Mortgage in Michigan - FAQs
In Michigan, NMHL offers a range of mortgage programs for borrowers with no credit history, including FHA manual underwriting and alternative credit programs. Contact us to learn more about your options.
Get pre-approved with NMHL's streamlined process, which evaluates your overall financial situation, not just credit history. Our loan officers will guide you through the required documentation and navigate any state-specific requirements.
Michigan Mortgage Resources
Get Help with No Credit History Mortgage in Michigan
Speak with a licensed Michigan loan officer today. Free consultation, no obligation.