 TITLE: Can You Get A Mortgage With No Credit? CONTENT: Is It Possible to Get a Mortgage With No Credit?\n------------------------------------------------\nIt is possible to get a mortgage without a credit score, but it will require bypassing the automated mortgage application processes used by many lenders in favor of a more time-consuming process called manual underwriting. It will also require you to provide proof that you pay your bills on time by documenting payments not related to debt, such as rent and utility bills.\nIn contrast to automated mortgage underwriting, which uses credit scores as a \"shortcut\" to forecast the likelihood of repayment failure, manual underwriting requires a loan officer to personally review your financial documents to determine your creditworthiness. Specific requirements will vary from lender to lender, but you should expect to provide at least a couple years' worth of evidence that you've paid rent regularly and on time, and that you've also made timely payments for utilities, cellphone service or other recurring expenses.\nYou should also expect to document employment, income and perhaps other assets such as savings and investments, as you would in a regular automated mortgage application.\nThe extra time and expense of manual underwriting have made it relatively uncommon among mortgage lenders, so you may need to hunt around to find willing lenders. Small, local institutions, including credit unions, can be a good place to start (though credit unions typically require you to be a member to qualify). Some online lending sites and specialty mortgage lenders offer manual underwriting as well. END