{"id":21318,"date":"2021-01-28T13:46:12","date_gmt":"2021-01-28T21:46:12","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=21318"},"modified":"2021-01-28T13:46:13","modified_gmt":"2021-01-28T21:46:13","slug":"buyer-how-to-buy-a-house-with-no-credit-score","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-how-to-buy-a-house-with-no-credit-score\/","title":{"rendered":"Can You Buy a House With No Credit Score? Yes. Should You? Maybe."},"content":{"rendered":"<p>So, you find yourself in the market to purchase a home \u2014 but you have no credit. Maybe you\u2019re a young, <a href=\"https:\/\/www.homelight.com\/blog\/buyer-first-time-homebuyer-loans\/\">first-time buyer<\/a> who hasn\u2019t had enough time yet to establish yourself with a credit history \u2014\u00a0but can\u2019t wait to get started. Or, maybe you <i>do<\/i> have a credit history \u2014 but you haven\u2019t made any recent purchases on credit, so there\u2019s not enough current data to generate a score for you. Do you know how to buy a house with no credit score? Is it possible?<\/p>\n<p>\u201cIt doesn\u2019t necessarily mean you have <i>bad<\/i> credit if you have <i>no<\/i> credit,\u201d explains <a href=\"https:\/\/www.homelight.com\/agents\/shana-acquisto-tx-0512450\">Mike Acquisto<\/a>, a top-selling agent in Texas.<\/p>\n<blockquote><p>\u201cMaybe it\u2019s a tech worker from overseas coming in with a visa, ready to establish credit with 40% down, who\u2019s willing to accept a higher interest rate for the short term to get it done.\u201d<\/p><\/blockquote>\n<p>Whatever your specific reason for having no credit, you want to know if it\u2019s even possible to purchase that new house. Beyond that, you \u2014 rightly \u2014 want to consider whether you even <i>should<\/i> go forward with such a significant purchase, given the opportunity. You\u2019ll have to overcome hurdles if you\u2019re looking to buy a house in this nontraditional scenario, but it <i>is<\/i> possible.<\/p>\n<p>While only you can decide whether or not going through with a home purchase is right for you, this expert-backed guide will arm you with intel about your options and the issues you should consider before you commit.<\/p>\n<figure id=\"attachment_21326\" aria-describedby=\"caption-attachment-21326\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone-666x381.png\" class=\"attachment-content size-content\" alt=\"A phone showing a credit score.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-phone.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-21326\" class=\"wp-caption-text\"><\/a> Source: (garagestock \/ Shutterstock)<\/figcaption><\/figure>\n<h2>What is a credit score?<\/h2>\n<p>A credit score is a number calculated by a credit bureau, based on your credit history \u2014 that is, your history of repayment on the debts you have previously incurred. Lenders use this score to evaluate how likely you are to repay your mortgage loan or other debts.<\/p>\n<p><a href=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-improve-credit-score\/\">Five data points make up a person\u2019s credit score<\/a>. These are:<\/p>\n<ul>\n<li>Your payment history (35% of the total score)<\/li>\n<li>The total amount you owe (30%)<\/li>\n<li>The length of your credit history, or the age of your accounts (15%)<\/li>\n<li>Your types of credit accounts (10%)<\/li>\n<li>New credit (10%)<\/li>\n<\/ul>\n<h3>Why mortgage lenders like to see your credit score<\/h3>\n<p>A higher score means you\u2019re more likely to repay your loan, and therefore it is less likely that you will default and the lender will be stuck holding the bag. As a buyer, a strong credit score can also benefit you in the form of a lower mortgage rate.<\/p>\n<h2>What credit score do you need to buy a home?<\/h2>\n<p>Credit scores range from 300 on the low end to 850 on the high end.<\/p>\n<ul>\n<li>If your credit score is 300 to 499, you are not likely to qualify for a mortgage loan.<\/li>\n<li>With a minimum credit score of 500, you can qualify for a <a href=\"https:\/\/www.hud.gov\/buying\/loans\">Federal Housing Administration (FHA) loan with 10% down<\/a>.<\/li>\n<li>With a credit score of 620, you start to qualify for <a href=\"https:\/\/www.homelight.com\/blog\/mortgages-101\/\">conventional loans<\/a>, which are not backed by the government.<\/li>\n<li>With this credit score, you\u2019re also in the range of a <a href=\"https:\/\/www.homelight.com\/blog\/buyer-what-is-a-va-loan\/\">Veterans Affairs (VA) loan<\/a>.<\/li>\n<li>If your credit score is at least 640, you are eligible for a <a href=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-apply-for-a-usda-loan\/\">United States Department of Agriculture (USDA) loan<\/a>.<\/li>\n<li>If your credit score is at least 700, you can qualify for <a href=\"https:\/\/www.investopedia.com\/terms\/j\/jumboloan.asp\">\u201cjumbo\u201d loans<\/a>, mortgages for higher home values.<\/li>\n<li>And with a credit score of 740 or higher, you\u2019ll qualify for <a href=\"https:\/\/www.homelight.com\/blog\/factors-mortgage-rate\/\">conventional loans, which typically have some of the best interest rates<\/a> available on the market.<\/li>\n<\/ul>\n<p>Note that scores noted above aren\u2019t <i>technically<\/i> minimum scores, as you can get many of these loans without having a credit score. But they\u2019re the minimums for those who <i>do<\/i> have scores.<\/p>\n<figure id=\"attachment_21327\" aria-describedby=\"caption-attachment-21327\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer-666x381.png\" class=\"attachment-content size-content\" alt=\"A computer used to buy a house with no credit score.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-computer.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-21327\" class=\"wp-caption-text\"><\/a> Source: (Mikhail Nilov \/ Pexels)<\/figcaption><\/figure>\n<h2>Low credit vs. no credit<\/h2>\n<p>To be clear, having low credit and having no credit are not the same things \u2014 and lenders don\u2019t look at them the same way. Here\u2019s more about why.<\/p>\n<h3>Low credit<\/h3>\n<p>Typically, having low credit means you\u2019ve missed payments, defaulted on loans, or have other blemishes in your credit history \u2014 and lenders see this as risky.<\/p>\n<h3>No credit<\/h3>\n<p>No credit could mean a lot of things, but generally it means you haven\u2019t taken on debt \u2014 or haven\u2019t done so lately. Hence, there\u2019s not enough reported data to generate a credit score for you.<\/p>\n<p>Why a buyer might have no credit score:<\/p>\n<ul>\n<li>The buyer is young (previously financially dependent), and hasn\u2019t had much time to take on debts yet.<\/li>\n<li>The buyer is someone from another country buying a home here, and will likely not have a U.S. credit score.<\/li>\n<li>The buyer is someone who just prefers not to take on debt, and who buys everything in cash or with a debit card.<\/li>\n<li>The buyer used to have credit \u2014 and maybe even had great credit \u2014 but hasn\u2019t relied on it for 24 months.<\/li>\n<\/ul>\n<figure id=\"attachment_21329\" aria-describedby=\"caption-attachment-21329\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash-666x381.png\" class=\"attachment-content size-content\" alt=\"Cash used to buy a house with no credit score.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-cash.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-21329\" class=\"wp-caption-text\"><\/a> Source: (Pixabay \/ Pexels)<\/figcaption><\/figure>\n<h2>Can a buyer with no credit get a mortgage?<\/h2>\n<p>The short answer is \u201cyes.\u201d The longer answer is: Yes, technically, but there\u2019s a lot that buyers need to know.<\/p>\n<p>Before they will write a mortgage, lenders will still have to verify a buyer\u2019s credit \u2014 that is to say, their ability to make monthly payments \u2014 in other ways. You\u2019ll need to have something provable for lenders to verify in your payment history, such as rent payments, that mitigates the risk of loaning you money. And the whole verification process can be frustrating, with a lot of paperwork.<\/p>\n<h3>Income verification<\/h3>\n<p>Of course, income verification will be part of the process, just as it is for a credit mortgage. In order to verify your income, your <a href=\"https:\/\/www.homelight.com\/blog\/buyer-documents-needed-for-mortgage-application\/\">lender will request documents<\/a>, such as recent paystubs, your most recent W-2, and documentation around any additional income or expenses. The bank will seek the last two years of your federal tax returns from the IRS.<\/p>\n<h3>Payment history<\/h3>\n<p>Those who go for a no-credit mortgage will have to meticulously document their payment history.<\/p>\n<p>\u201cThey could use nontraditional methods, such as paying a city bill that doesn&#8217;t automatically report \u2014\u00a0something like a water or utility bill \u2014\u00a0and get verification that way,\u201d Acquisto explains.<\/p>\n<p>Payments useful for verification include:<\/p>\n<ul>\n<li>Rent payments (renting from family doesn\u2019t count)<\/li>\n<li>Utility bills<\/li>\n<li>Cell phone bill<\/li>\n<li>Cable bill<\/li>\n<li>Car insurance<\/li>\n<li>Any other insurance policies you have<\/li>\n<li>Any other monthly payments you\u2019ve made for the last 12 months<\/li>\n<\/ul>\n<h3>Non-traditional credit report (\u2018<a href=\"https:\/\/www.corelogic.com\/products\/anthem-report.aspx\">Anthem Report<\/a>\u2019)<\/h3>\n<p>Even if you don\u2019t have traditional credit, a lender can verify your ability to pay through an \u201canthem report,\u201d which is like an alternative credit report.<\/p>\n<p>This report analyzes available credit bureau data, and supplements it with nontraditional credit data, such as your rent payments, phone bills, and utility bills.<\/p>\n<h2>No credit? Here are your loan options<\/h2>\n<p>If you\u2019re a buyer with no credit, here\u2019s what you really want to know: What loan options are available for buyers with no credit?<\/p>\n<p>The good news is most loan options could be available, but there are some additional hoops to jump through. Here\u2019s what they are and how to clear them.<\/p>\n<h3>Conventional loan with manual underwriting<\/h3>\n<p>You still might be able to get a conventional mortgage with no credit, but you\u2019ll have to go through manual underwriting, instead of the typical automatic underwriting process usually handled by a computer for more typical loan application candidates.<\/p>\n<p>Since you don\u2019t have the data the computer needs to automatically decide whether you\u2019re qualified for a home loan, you\u2019ll need a human to look at all your finances.<\/p>\n<p>This takes more time and more legwork to get the needed documentation the lender needs.<\/p>\n<h3>Put more money down<\/h3>\n<p>Buyers with no credit typically must put at least 10% down with conventional loans, though some can go much lower with<a href=\"https:\/\/www.homepath.com\/\"> Fannie Mae HomeReady<\/a> and<a href=\"https:\/\/www.freddiemac.com\/homepossible\/\"> Freddie Mac Home Possible<\/a> loans; these offer a minimum down payment of 5% to borrowers with nontraditional credit history, as long as they otherwise qualify.<\/p>\n<p>Consider this example: Say you want to buy a $250,000 home, but you have no credit. HomeReady can help you do it with as low as 5% down. If you qualify for this loan, you\u2019d need to save just $12,500 to get into that home. But there\u2019s more&#8230;<\/p>\n<h3>You\u2019ll need more cash reserves<\/h3>\n<p>That said, buyers with no credit will likely have to show more cash reserves (up to 12 months) upfront to prove they can pay the loan for months to come.<\/p>\n<p>The bank will look at all of your assets \u2014including your brokerage and retirement accounts \u2014 to make sure you have enough to handle not just the down payment and closing costs, but also to evaluate whether your financial picture supports continuing to make those monthly payments<\/p>\n<h3>You\u2019ll likely pay more for mortgage insurance<\/h3>\n<p><a href=\"https:\/\/www.homelight.com\/blog\/what-is-pmi-can-you-get-rid-of-it\/\">Mortgage insurance<\/a> (MI) is meant to protect the lender if a borrower stops making mortgage payments. If the lender must foreclose on the borrower, it will sell the property at auction, but the sale might not bring enough to cover the balance on the mortgage; MI helps make up the difference.<\/p>\n<p>MI is usually required when you get a conventional mortgage and put less than 20% down. Borrowers typically have the right to cancel MI once they reach a mortgage balance of 80% of the original home value (there is an exception baked into FHA loans when buyers put down less than 10%, in that case, the MI will remain until the borrower pays off the loan or refinances).<\/p>\n<p>MI costs vary, but the typical range falls between 0.5% to 1% of the loan amount annually. With a no-credit mortgage, you\u2019ll be treated like a buyer with the lowest possible credit score \u2014 and you\u2019ll expect to pay more MI, since the lender will consider you a higher risk.<\/p>\n<h3>DTI requirements are also different<\/h3>\n<p>Lenders look at<a href=\"https:\/\/www.homelight.com\/blog\/buyer-how-much-house-should-i-buy\/\"> debt-to-income ratio<\/a> (DTI), which compares how much you\u2019re obligated to pay in debts each month versus how much money you make. To calculate your DTI, the lender will add up your monthly minimum debt payments (including things like car payments, student loans, and medical bills) and divide the total by your gross monthly income.<\/p>\n<p>Mortgage lenders like to see a maximum DTI of 43% to feel confident in your ability to repay. But with a no-credit mortgage, you\u2019ll have a lower maximum DTI than a buyer with a credit score. And that factor \u2014 along with your increased down payment, cash reserves, and the cost of mortgage insurance \u2014 could substantially affect your housing budget.<\/p>\n<h3>Try small lenders<\/h3>\n<p>For a no-credit mortgage requiring manual underwriting, it may help to seek out smaller lenders who are used to being more creative \u2014 and who tend to approach each borrower\u2019s individual situation with a more personal touch.<\/p>\n<p>Whether it\u2019s a large or small lender, Acquisto says this process hinges on finding a bank that is willing to underwrite nontraditional credit for a qualified buyer specific to their circumstances.<\/p>\n<h3>FHA loans<\/h3>\n<p>With no credit and at least 3.5% down, you may qualify for this government-backed mortgage. While it might seem like a great option, be aware that the additional fees and mortgage insurance can add substantially to the cost of your mortgage over the long term.<\/p>\n<h3>VA loans<\/h3>\n<p>VA loans are available for veterans, active duty military, and their qualifying spouses. The VA itself doesn\u2019t specify a minimum credit score, but the lenders who actually make these loans to borrowers will go through all the steps to verify your ability to repay with nontraditional credit.<\/p>\n<h3>USDA loans<\/h3>\n<p>Also backed by the government, USDA loans are available for borrowers in rural areas (but that definition is broader than you\u2019d imagine). Technically, the USDA does not specify a minimum credit score.<\/p>\n<figure id=\"attachment_21328\" aria-describedby=\"caption-attachment-21328\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door-666x381.png\" class=\"attachment-content size-content\" alt=\"An entrance to a house purchased with no credit score.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-door.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-21328\" class=\"wp-caption-text\"><\/a> Source: (Curtis Adams \/ Pexels)<\/figcaption><\/figure>\n<h2>The pros and cons of buying a home with no credit<\/h2>\n<p>Now that you\u2019ve determined whether you <i>could <\/i>qualify for a mortgage with no credit, you\u2019ll also need to consider whether you should.<\/p>\n<p>On the plus side, buying a home allows you to get into the real estate game, without the need to put off the goal for years while you build credit. And once you\u2019re in, you can start <a href=\"https:\/\/www.homelight.com\/blog\/what-is-home-equity\/\">building equity<\/a>.<\/p>\n<p>At the same time, you\u2019ll be building your credit for a future home purchase or refinance. And renting may simply not be an option for everyone in every scenario.<\/p>\n<p>On the flip side, buying a home with no credit will require jumping through many administrative hoops, which can be frustrating, time-consuming, and downright challenging. Plus, you\u2019ll very likely need more money upfront, more cash reserves, lower DTI, increased mortgage insurance costs to mitigate lender\u2019s risk \u2014 and combined, that can be a really tall order.<\/p>\n<p>In the end, if you buy a house with no credit, you might end up with more stress than value to you at this stage of your life. But that\u2019s a trade-off that only you can weigh.<\/p>\n<p>\u201cGet your financial house in order, get rid of all the other expenses, go rent for a certain amount of time,\u201d Acquisto suggests to buyers who suspect they might not be ready yet financially. If that\u2019s the case, he says, \u201cchange your spending habits, save your money\u201d \u2014 and come back to the house hunt when you\u2019re ready.<\/p>\n<p><em>Header Image Source: (Vecislavas Popa \/ Pexels)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>So you want to buy a house, but you have no credit. Here\u2019s how to buy a house with no credit score (and how to think about whether you want to).<\/p>\n","protected":false},"author":150,"featured_media":21325,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,631,629],"tags":[],"class_list":["post-21318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-credit-scores","category-home-financing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Your Go-To Guide For How To Buy A House With No Credit Score<\/title>\n<meta name=\"description\" content=\"So you want to buy a house, but you have no credit. Here\u2019s how to buy a house with no credit score (and how to think about whether you want to).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-buy-a-house-with-no-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can You Buy a House With No Credit Score? Yes. Should You? Maybe.\" \/>\n<meta property=\"og:description\" content=\"So you want to buy a house, but you have no credit. Here\u2019s how to buy a house with no credit score (and how to think about whether you want to).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-buy-a-house-with-no-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-28T21:46:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-28T21:46:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hl-blog.homelight.com\/wp-content\/uploads\/2021\/01\/how-to-buy-a-house-with-no-credit-score-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Alesandra Dubin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@alicedubin\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alesandra Dubin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Your Go-To Guide For How To Buy A House With No Credit Score","description":"So you want to buy a house, but you have no credit. 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