Can You Get a Mortgage Without a Credit Score?

Can You Get a Mortgage Without a Credit Score?

Leverage Lending Group
Leverage Lending Group
Published on July 2, 2024

Can You Get a Mortgage Without a Credit Score?


A common misconception is that a credit score is a must for securing a mortgage. However, it’s possible to get a mortgage without one, particularly if you’ve paid off all your debt. This process is known as manual underwriting.

Understanding Manual Underwriting

Manual underwriting involves a more thorough review of your financial situation. Here's what you'll need:

  • Proof of Income: Similar to traditional underwriting, providing recent pay stubs, tax returns, and bank statements.
  • Proof of Payment History: Demonstrate a reliable payment history on obligations like rent, utilities, insurance, and other monthly bills.
  • Verification of Assets: Show that you have sufficient funds for a down payment and reserves.

Advantages of No Credit Score

If you've worked hard to become debt-free, not having a credit score might actually work in your favor. Manual underwriting can consider non-traditional credit histories and personal references, giving a complete picture of your financial health.


  • More Documentation: Be prepared to provide extensive documentation and explanations for any financial anomalies.
  • Higher Down Payment: Lenders might require a larger down payment to mitigate perceived risks.
  • Interest Rates: Without a credit score, you might face higher interest rates due to the increased risk to lenders.


While getting a mortgage without a credit score requires more effort and documentation, it’s entirely possible. With the right preparation and a thorough understanding of the process, you can secure a mortgage and achieve your homeownership goals.

Give us a call and we can help get you approved with no credit score.

Leverage Lending Group
Leverage Lending Group
Click to Call or Text:
(704) 631-9276

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