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Understanding No Credit History Mortgage
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.
Alternative credit methods can help you qualify for a mortgage.
How NMHL Helps
Proven solutions for no credit history mortgage
Personalized Consultation
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Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
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Your Path to Homeownership
Free Consultation
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Pre-Approval
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Close with Confidence
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Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
Yes, you can qualify for a mortgage with no credit history. NMHL offers alternative credit programs and FHA manual underwriting, which consider non-traditional credit references like rent payments and utility bills.
FHA manual underwriting allows for non-traditional credit references, lower debt-to-income ratios, and more flexible income verification. This can be particularly helpful for borrowers with no credit history or those who are self-employed.
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.
NMHL will guide you through the required documentation, which may include bank statements, tax returns, and non-traditional credit references like rent payments and utility bills.
Yes, NMHL allows co-signers on mortgage applications. However, the co-signer will need to meet our credit and income requirements. We'll evaluate the co-signer's creditworthiness as part of the application process.
Helpful Resources
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