If you lack a credit score, you can still qualify for a mortgage using .
: Backed by the U.S. Department of Agriculture , these require how to buy a house with no money or credit
: Underwriters manually review your reliability by looking at 12–24 months of on-time payments for Rocket Mortgage and other lenders: Rent and utility bills (gas, electric, water). Cell phone and internet bills. Insurance premiums and bank statements. If you lack a credit score, you can
Specific federal programs are designed for buyers with limited funds. Cell phone and internet bills
down for homes in eligible rural and suburban areas. They are intended for low-to-moderate-income earners.
Buying a home with no money down and no credit is possible through , manual underwriting , and creative financing . While most traditional mortgages rely on credit scores and down payments, specialized programs like VA and USDA loans allow for