{"id":104997,"date":"2025-08-25T08:59:16","date_gmt":"2025-08-25T15:59:16","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=104997"},"modified":"2025-08-25T08:59:16","modified_gmt":"2025-08-25T15:59:16","slug":"mortgage-with-no-credit-history","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/mortgage-with-no-credit-history\/","title":{"rendered":"Can You Get a Mortgage With No Credit History?"},"content":{"rendered":"

When <\/span>buying a home<\/span><\/a>, lenders almost always check your credit history to assess how likely you are to repay the loan. But what if you don\u2019t have a credit history at all? Maybe you\u2019ve never used credit cards, taken out a loan, or your credit profile is too thin to generate a score. If you\u2019re asking, <\/span>\u201cCan you get a mortgage with no credit history?\u201d<\/span><\/i> the answer is yes\u2014though it\u2019s more challenging, and you\u2019ll need to show lenders your financial responsibility in other ways.<\/span><\/p>\n

Whether you\u2019re browsing <\/span>homes for sale in Los Angeles, CA<\/span><\/a> or planning to <\/span>buy in Chicago, IL<\/span><\/a>, Redfin explains your options, what lenders look for, and the steps you can take to qualify.<\/span><\/p>\n

\"buying<\/p>\n

Why credit history matters to lenders<\/span><\/h2>\n

Credit reports and scores give lenders a quick snapshot of how you\u2019ve managed debt. Without this data, lenders don\u2019t have a standard way to measure risk. That doesn\u2019t mean you\u2019re automatically disqualified, but you\u2019ll need to prove you\u2019re financially reliable through alternative documentation.<\/span><\/p>\n

>>>Read: <\/b>What Credit Score is Needed to Buy a House?<\/b><\/a><\/p>\n

No credit vs. bad credit<\/span><\/h2>\n

Many people assume that having no credit history is the same as having bad credit, but lenders view them differently.<\/span><\/p>\n