Can I Qualify for a Mortgage with No Credit History?

If you have no credit history (including no credit card debt or other past loans), it is still possible for you to qualify for a mortgage. Many lenders will be unwilling to work with you due to the difficulty in determining your capacity to repay a mortgage.

You can try to submit an alternative payment history to make up for a lack of credit history. For example, you might consider submitting your rental payment history as proof of your capacity to repay your obligations.

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Not all lenders will accept your alternative payment history. You may need to work on slowly building your credit history instead.