What if we're not currently paying rent?

Ok.. so there's just too many Generalities within your question.. Credit on the upper side of good and husbands in the OK range does not help.. so in general.. You do not have to be paying rent to qualify for a mortgage.. you do have to have sufficient credit and credit scores as well as income and verified assets and reserves. If your husband is working in OK and he has been in the same "Field" for 2 or more years, then his income can be used to qualify for a loan.. if you transfer to OK from your current job, or you get a job in OK within the same "Field", then once your there and have 30 days pay stubs, you can apply for a mortgage, and your income will be considered.. because your not paying rent now, the lender will require a "Budget Letter", because they don't want you to experience "payment shock".. and ideally they want to see that after all your expenses, including the new mortgage payment, you are still able to add money to your savings account each month. From the limited amount of info you provided, I don't think you should have a problem.. but it's all in the details.. if you want to know for sure, you should contact a local Oklahoma mortgage broker and apply with them.. after he see's your complete scenario, he should be able to advise you how to get approved... .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Solid job history and good credit will help.

your credit profile will decide if you need to provide a rental history. Most loan programs allow you to qualify without a rental history, provided you have good credit and reasonable debt to income ratios.

Based on the additional information you have provided,I recommend finding a qualified Lender411 professional in Oklahoma.

rental history is not a major issue. You will have the toughest time with you not being employed in OK.

Ok.. so there's just too many Generalities within your question.. Credit on the upper side of good and husbands in the OK range does not help.. so in general.. You do not have to be paying rent to qualify for a mortgage.. you do have to have sufficient credit and credit scores as well as income and verified assets and reserves. If your husband is working in OK and he has been in the same "Field" for 2 or more years, then his income can be used to qualify for a loan.. if you transfer to OK from your current job, or you get a job in OK within the same "Field", then once your there and have 30 days pay stubs, you can apply for a mortgage, and your income will be considered.. because your not paying rent now, the lender will require a "Budget Letter", because they don't want you to experience "payment shock".. and ideally they want to see that after all your expenses, including the new mortgage payment, you are still able to add money to your savings account each month. From the limited amount of info you provided, I don't think you should have a problem.. but it's all in the details.. if you want to know for sure, you should contact a local Oklahoma mortgage broker and apply with them.. after he see's your complete scenario, he should be able to advise you how to get approved... .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

You should be in contact with a local (OK) licensed mortgage professional, and he should be able to make sure all the points are in order, so that whenyou get there and have your 30 days of income, you can be moving quickly toward your purchase. He should also be able to assist in determining ifthere is a way to help raise either or both your credit scores. If you don't need your income to qualify for the home (if your debt to income would beless than 40% with just your husband's income, you wouldn't need to wait that long -- but you need to talk with a local licensed mortgage officer tofind out exactly where you stand.

If your husband has sufficient income, he may be able to qualify on his own. Otherwise, you may need a OK job, or a verified transfer to OK from your present company.

Based on what you described, I don't believe the automated underwriting system will require rental history. You should definitely apply and get pre approved through a lender who can run this for you, however, prior to looking for homes.

Yes, If you have other credit

Yes as long as all other guidelines are met

Your rental history is not as important as your credit score, income, debt-to-income ratio, etc. So, yes, you can still get a loan without paying rent as long as you meet the other requirements.

Sure... There are a few loans which require an existing rental history, but most do not. Contact a local mortgage broker in your area for more assistance.

Based on your previous comment, it sounds as if your husband has insufficient credit history established such that the lender needs satisfactory rental payment history as noted in the DU AUS findings. Make sure to address the underlying issue which is your husband's credit, not just the lack of rental history. Good luck.