I Don't Have Any Credit, Can I Still Get a Mortgage?

Yes! Despite popular belief you don’t actually need a credit score in order to qualify for a mortgage. All you need are 3 active monthly payments (usually including a housing/rent payment) in order to qualify. These monthly payments, or tradelines as we call them, would be things like your cell phone bill, electric/gas bill, cable/internet bill, water bill, car insurance, renters insurance, etc. As long as you’ve made your last 12 to 24 months of payments on-time (within 30 days of the due date) we can generate a credit score based on the information from the accounts and create a loan file for you.