Homeownership Without Traditional Credit
The No Credit Score Mortgage program is designed for borrowers who lack a traditional credit history. Instead of relying on FICO scores, we use alternative credit references — such as rent payments, utility bills, and insurance premiums — to evaluate your creditworthiness. No personal income verification required.
Not Required
Credit Score
20%+
Down Payment
$2M
Max Loan Amount
3+ References
Alt. Credit Lines
Key Features
Qualify without a traditional credit score. We evaluate your financial reliability through alternative credit references.
Provide 12 months of on-time payments for rent, utilities, phone, insurance, or other recurring obligations.
No W-2s, tax returns, or pay stubs needed — qualification focuses on your payment history and down payment.
Finance your primary residence or second home with loan amounts up to $2 million.
Access mortgage rates that are competitive with traditional programs, even without a credit score.
Perfect for borrowers who have never used credit cards or loans but have a strong track record of paying bills on time.
Requirements
Perfect Match
How It Works
From application to closing, we make the mortgage process straightforward and stress-free.
Complete our simple online application in minutes. No commitment required.
Receive your pre-approval within 24-48 hours with competitive rate options.
Choose the best rate and terms that fit your financial goals.
We handle the paperwork and guide you through a smooth closing.
Let our experienced team help you find the perfect loan solution. Apply today and get pre-approved in as little as 24 hours.
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