No credit history, can I get a mortgage?
If I've never had a credit card, or any debt, could I still get a mortgage? Or would I need a cosigner on the loan? by jessic_394_328 from Atlantic City, New Jersey. Nov 30th 2011
William J Acres (William_Acres)
#75 ranked lender in Arizona - 8,728 contributions
There's a lot of information missing... but on the surface, you can still get a mortgage if you don't have any traditional credit. For example, who do you pay rent to? That can be used as a credit reference. Auto insurance, utility payments, and phone payments can all be used as credit references. Even if you make regular deposits into a savings account... this can be used as a credit reference. Best advise I can give you is to contact a local mortgage broker, not a bank and apply with them.. they have numerous lenders they deal with and should be able to match your particular scenario with the right niche lender. WilliamAcres.com
Michelle Curtis Loan Originator NMLS 401173 (MichelleCurtisLO)
#78 ranked lender in Florida - 2,245 contributions
William is correct. I am a mortgage broker in your area. Please feel free to contact me or my partner Benny to discuss further. I would need some more information to see what you will qualify for but you can get a mortgage if you do not have traditional credit. Look forward to hearing from you. Michelle Dema 201-962-3555 or TeamAmbassador@BestMortgageOption.com
Ms mary (www.loanfinancesolutionsltd)
#548 ranked lender in California - 5 contributions
Contact us if you need any loan for we won't take any penny from you.
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