How To Buy A House Without Credit May 2026

Lenders are much more likely to take a chance on a zero-credit borrower if they have been at the same job for at least two years. Consistency is the name of the game.

Since you don’t have a FICO score, you must prove your reliability through other recurring payments. Lenders will typically want to see 12–24 months of on-time history for: how to buy a house without credit

This is the most important "tradeline" you can provide. Utilities: Electricity, water, and gas bills. Insurance: Consistent auto or health insurance payments. Lenders are much more likely to take a