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No credit history, can I get a mortgage?

If I've never had a credit card, or any debt, could I still get a mortgage? Or would I need a cosigner on the loan? by jessic_394_328 from Atlantic City, New Jersey. Nov 30th 2011 Reply


William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,726 contributions

There's a lot of information missing... but on the surface, you can still get a mortgage if you don't have any traditional credit. For example, who do you pay rent to? That can be used as a credit reference. Auto insurance, utility payments, and phone payments can all be used as credit references. Even if you make regular deposits into a savings account... this can be used as a credit reference. Best advise I can give you is to contact a local mortgage broker, not a bank and apply with them.. they have numerous lenders they deal with and should be able to match your particular scenario with the right niche lender. WilliamAcres.com

Nov 30th 2011
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#77 ranked lender in Florida - 2,240 contributions

William is correct. I am a mortgage broker in your area. Please feel free to contact me or my partner Benny to discuss further. I would need some more information to see what you will qualify for but you can get a mortgage if you do not have traditional credit. Look forward to hearing from you. Michelle Dema 201-962-3555 or TeamAmbassador@BestMortgageOption.com

Nov 30th 2011
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Ms mary (www.loanfinancesolutionsltd)
#543 ranked lender in California - 5 contributions

Contact us if you need any loan for we won't take any penny from you.

Dec 6th 2011
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