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
Occasionally, even consistent phone or internet bills count. 3. Save a Larger Down Payment how to buy a house without credit
Most big banks use automated systems that instantly reject "thin" or "zero" credit files. You need a lender that performs .