: Recent updates to Fannie Mae (1.3.6) and Freddie Mac guidelines (as of late 2025) have removed absolute minimum credit score thresholds, allowing for risk-based assessments of no-credit borrowers.

: Paying in full with cash completely bypasses credit checks and mortgage applications. Requirements for Approval Can you buy a house with no credit? - Rocket Mortgage

: Specifically allow for nontraditional credit reports (NTMCR). You typically need 12 months of clean payment history from at least three sources.

: Lenders evaluate your "nontraditional credit history" by reviewing 12–24 months of on-time payments for recurring bills. Government-Backed Loans :

How Can You Buy A House With No Credit May 2026

: Recent updates to Fannie Mae (1.3.6) and Freddie Mac guidelines (as of late 2025) have removed absolute minimum credit score thresholds, allowing for risk-based assessments of no-credit borrowers.

: Paying in full with cash completely bypasses credit checks and mortgage applications. Requirements for Approval Can you buy a house with no credit? - Rocket Mortgage

: Specifically allow for nontraditional credit reports (NTMCR). You typically need 12 months of clean payment history from at least three sources.

: Lenders evaluate your "nontraditional credit history" by reviewing 12–24 months of on-time payments for recurring bills. Government-Backed Loans :