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lilcountrygirl_count... | Is it hard to buy a house without credit? |
my fiance and i are living in a shack and we have found a house we love and would like to buy but we have no credit bc we are young and have always been afraid of getting in over our heads. we were wondering how hard is it to buy a house with no credit but knowing that as long as the payments fit our budget we can do it? |
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10 pts for me?
|
In a lot of cases yes you can buy a house with out a credit history. A mortgage company can use a different method, they will ask for a letter from the electric company, phone company, etc. to make sure you have never been late, etc. I've seen it done before.
Go to a mortgage broker vs a bank. A mortgage broker works with a lot of financial institutions therefore your chances of being approved will be better. Ask your realtor for a recommendation and get a prequalification letter. |
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KL
|
It's actually very easy. I would rather work with someone with no credit history than a bad history. Just about every lender has these types of loans, and the rates are pretty good on them. You will need to provide 2 alternative trade line (gas bill, phone bill, car insurance, etc.) that have a 12 month history and a 12 month history of rental payments with no lates 30 days or more.
That's it. If you can provide these items, you'll be able to buy for zero money down! Start shopping around for a mortgage. I would expect rates in the high 6's to mid 7's on a 30 yr. fixed loan. |
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Chuck'n Da Deuce
|
yes |
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rockinout
|
It will be extremely hard to buy a house without any established credit history. Banks and other lenders look at your history to determine your mortgage rate, etc. If you have no history or a poor history, you may not qualify. The best thing you can do is begin establishing your credit slowly. Make sure you don't get over extended and make your payments on time. Also, if you can afford to pay payments higher than the minimum monthly payment on your credit cards, this helps raise your credit score, but the important thing is to pay ON TIME! |
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thylawyer
|
First, get a copy of your separate credit reports from the big 3 agencies at www.annualcreditreports.com. They are free, but watch out for phony web sites that want you to pay for monthly credit information.
Then, if there is no information or any incorrect information, go to a mortgage company or bank (a small local bank or credit union is best), apply for pre-approval. That will tell you how much house you can buy. Be sure to ask for first-time buyer programs.
And do not buy a house if you are not married unless you sign a contract about what happens if you break up. |
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lisa_chi2005
 |
yes |
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â•£China ♥ Dollâ•Â
|
You CANNOT buy a house without credit unless you are extremely wealthy. |
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bulldogslamento
 |
This is the wrong place to ask that question. There are lots of government programs for new and first time home buyers. Look in your area for Ginnie Mae and Fannie Mae programs; try talking to a RE agency and ask them to direct you to one. Most of these bozos with the one word answers just have nothing better to do. You are in a better position than you think. Try this number:
Ginger Mae Financial - 888-505-3387
Good luck.
Bulldog |
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cafe_blue_note
 |
No, as a matter of fact It is easier to qualify because your DTR will be very low. DTR is debt to income ratio.I am a loan officer, if you would like to get preapproved for a loan I would be glad to help you.You can contact me by clicking on my profile. Send me an e-mail and I will contact you promptly. My company is apporved with 150 investors,and does every thing from A paper to sub prime,soIcan shop for the best loan to meet yourneeds.I want you as a client, (so lets get started)! |
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sarisofori
|
very hard
i'm from Balkan area(Macedonia)
and here we don't have credits.
beleive is very hard |
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umdanddvd
|
these people compile banks and lenders for people for those with bad credit or in your case no credit
http://www.wesayes.com |
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SHAHAB6
 |
It is hard to buy a house with no credit, unless you can put 20 percent down, then you can buy it..
--------------------------------------...
http://www.bestcreditrates.net |
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mnc2001@sbcglobal.net
|
Yes. I believe the only way you may qualify would be part of the military where they have VA loans. You may be able to get a loan if you have a good paying job and a lot of loot in the bank. Don't forget, money talks. |
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Lisa
 |
You can buy a house with no credit history. You need to find a mortgage company that does MANUAL UNDERWRITING, which means they don't just rely on a credit score, but also evaluate your income and expenses and any payment history information. Dave Ramsey talks about this all the time (he has a credit score of '0'). He recommends Churchill Mortgage as a company that does do manual underwriting. |
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avery s
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yes but not if u can find a co-signer |
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