Can I Qualify for a Mortgage with No Credit History?
Updated 21 days ago (March 6, 2026)
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.
Financial Disclaimer: Tellus provides this content for informational purposes only. This is not financial advice. Financial returns and mortgage terms vary based on individual circumstances and market conditions. Consult a qualified financial advisor before making financial or borrowing decisions.