Can I get a mortgage with no credit history?
Yes, you can get a mortgage with no credit history. Lenders 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.
Buying with a thin file
No credit score is not a dead end. Some loans allow manual underwriting using alternative credit. Rent, utilities, and insurance payments can build the picture.
FHA is often the friendliest here. It lets underwriters weigh a clean payment history outside the traditional score.
Building proof in Florida
Newcomers and young buyers often lack a score. That is fixable. We know how to document alternative credit for underwriting.
Gather 12 months of rent and utility records. We will show how to turn them into a qualifying credit story.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.