How To Buy — A House Without Credit

This is the most important "tradeline" you can provide. Utilities: Electricity, water, and gas bills. Insurance: Consistent auto or health insurance payments.

Cash is your best advocate. While some loans allow for 3.5% down, coming to the table with significantly lowers the lender's risk. A large down payment proves you have the discipline to save and provides immediate equity in the home. 4. Look into FHA Loans how to buy a house without credit

Since you don’t have a FICO score, you must prove your reliability through other recurring payments. Lenders will typically want to see 12–24 months of on-time history for: This is the most important "tradeline" you can provide