Not having a credit history doesn't mean you're not creditworthy. It means you haven't had the traditional opportunities to build credit. National Mortgage Home Loans (NMHL) understands that many responsible borrowers lack a credit score, and we're here to help.
”At NMHL, we work with borrowers in exactly this situation every day. We understand the uncertainty, the frustration, and the worry that comes with navigating a mortgage during a significant life event. You are not alone, and your situation does not have to be a barrier to homeownership.
Our licensed loan officers specialize in finding the right path forward for borrowers in complex circumstances. Whether your situation requires specialized documentation, alternative qualification methods, or simply a lender who takes the time to understand your full financial picture, we are here to help you move forward with confidence and clarity.
Your Path Forward
Proven Solutions for Your Situation
FHA Manual Underwriting for No Credit
NMHL's FHA manual underwriting option allows borrowers with no credit score to qualify for a mortgage by using non-traditional credit references such as rent payments, utility bills, and insurance premiums.
Non-Traditional Credit Documentation
Our lenders can build a credit profile from your payment history on regular bills, demonstrating your creditworthiness without a traditional score. This includes rent, utilities, cell phone, and car insurance payments.
Credit Builder Strategy for Future
If you have time before purchasing, establishing 2-3 credit tradelines can generate a credit score within 6 months. NMHL can guide you through the process of building credit with a secured credit card or credit-builder loan.
NMHL Pre-Approval for No Credit Borrowers
Get pre-approved with NMHL today, even with no credit history. Our pre-approval process considers non-traditional credit references and manual underwriting options.
Personalized Guidance for Your Situation
No two mortgage journeys are alike. Our experienced advisors take the time to understand your unique circumstances and find the best path forward.
What Our Clients Say
Real reviews from Google — no cherry-picking
Nationwide Coverage
Find Local Help in Your State
Our Presence
Click on endorsed states to see our direct resources!
Understanding Your Credit Situation
Not having a traditional credit score doesn't mean you're not creditworthy. Many responsible individuals lack a credit history simply because they've managed their finances carefully and avoided debt. At NMHL, we understand that creditworthiness goes beyond traditional credit scores.
Our experienced lenders are trained to evaluate alternative credit references, such as rent payments, utility bills, and other regular monthly obligations, to determine your creditworthiness.
Don't let a lack of credit history stop you from achieving your homeownership dreams. Contact NMHL today to explore your mortgage options.
FHA Manual Underwriting: A Path to Homeownership
- FHA manual underwriting allows borrowers with no credit score to qualify for a mortgage
- Non-traditional credit references are used to evaluate creditworthiness
- At least 3-4 accounts with 12 months of on-time payment history are required
NMHL's FHA manual underwriting option is designed to help borrowers with no credit history or thin credit files qualify for a mortgage. Our lenders will work with you to gather the necessary documentation and guide you through the process.
Get started with NMHL's FHA manual underwriting today and take the first step toward homeownership.
Building Credit for the Future
If you have time before purchasing a home, establishing a credit score can open more loan options and potentially better interest rates. NMHL can guide you through the process of building credit with a secured credit card, credit-builder loan, or by becoming an authorized user on someone else's credit account.
- Establish 2-3 credit tradelines to generate a credit score
- A secured credit card or credit-builder loan can help build credit
- Become an authorized user on someone else's credit account to piggyback on their credit history
Start building your credit today with NMHL's expert guidance and take advantage of better loan options in the future.
NMHL Pre-Approval: Your First Step to Homeownership
Getting pre-approved for a mortgage is the first step toward making your homeownership dreams a reality. At NMHL, we offer pre-approval options for borrowers with no credit history through our FHA manual underwriting and non-traditional credit programs.
Our pre-approval process is fast, transparent, and personalized to your situation. Contact us today to get started and discover how much you can afford.
Get pre-approved with NMHL today and take the first step toward homeownership, even with no credit history.
Frequently Asked Questions About Mortgages with No Credit
At NMHL, we're committed to helping you understand your mortgage options, even with no credit history. Below, we've answered some of the most frequently asked questions about getting a mortgage with no credit.
Still have questions? Contact NMHL today to speak with one of our experienced mortgage professionals.
Frequently Asked Questions
Yes, through FHA manual underwriting, you can qualify for a mortgage without a credit score by using non-traditional credit references. NMHL's experienced lenders will guide you through the process, requiring at least 3-4 accounts with 12 months of on-time payment history.
Non-traditional credit includes rent payments, utility bills, cell phone payments, car insurance premiums, and other regular monthly obligations. Each account needs at least 12 months of verifiable payment history to be considered in the manual underwriting process.
You can generate a credit score in as little as 6 months by establishing new credit tradelines, such as through a secured credit card or credit-builder loan. NMHL can help you navigate the best options for your situation.
If you have time, building credit can open more loan options and potentially better rates. However, if you're ready to purchase now, NMHL's FHA manual underwriting and non-traditional credit options can help you qualify without a traditional credit score.
NMHL offers pre-approval for borrowers with no credit history through our manual underwriting and non-traditional credit options. Contact us to start the pre-approval process, and we'll guide you through the necessary documentation and steps.
Yes, rent payments can be used as part of the non-traditional credit references in FHA manual underwriting. You'll need to provide documentation of on-time rent payments for at least 12 months to be considered.