Credit
Can I get a mortgage with no credit history?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. With little or no traditional credit, lenders can build a profile from alternative tradelines — rent, utilities, insurance, and phone payments — through manual underwriting, especially on FHA and VA.
You'll need 12-plus months of on-time alternative payments documented. We help thin-file and credit-invisible Florida buyers assemble that history so underwriting can approve the loan.
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