Can I Qualify for a Mortgage with No Credit History?
Updated 1 month 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.