Finding a Georgia NO CREDIT mortgage lender that offers approvals with no credit score or a short credit history can be frustrating. The Catch-22 for most Georgia NO CREDIT mortgage applicants with no credit score is that they usually cannot get a Georgia mortgage no credit history, and you cannot get a credit history without credit score. Many would be Georgia home buyers do not know that the lack of credit history is not enough to keep you from getting a Georgia mortgage. It takes a little more work to get approved for a Georgia mortgage with no credit score is easier than getting a Georgia bad credit mortgage. For Georgia NO CREDIT mortgage applicants with no credit history that can prove timely payments on typical rental housing expenses under certain terms can qualify for a no credit score Georgia mortgage.

Most Georgia NO CREDIT mortgage lenders require mortgage applicants to have at least (3) three positive open and active trade lines on their credit report for the last 12 months. For most Georgia mortgage lenders, the no credit score removes them from consideration for a conventional Georgia mortgage. However, there are (3) three government-backed Georgia mortgage loan programs will permit nontraditional credit lines in place traditional credit trade lines. These Georgia Mortgage programs include the NO CREDIT ,USDA, VA loans. While these Georgia mortgage programs have minimum requirements, each participating Georgia mortgage lender is free to enforce their own no credit approval guidelines.  Fill out a Full Georgia mortgage application and learn how we can help you qualify for a no credit score Georgia mortgage. READ MORE ON NO CREDIT SCORE HOME LOAN GUIDLINES.

DEVELOPING A NONTRADITIONAL CREDIT HISTORY FOR GEORIGA HOMEBUYERS WITH NO CREDIT SCORE

All government-baked no credit score Georgia mortgage programs use the same method for building and documenting non-traditional credit histories. Even if a Georgia mortgage applicant does not have a credit card or installment payments, odds are they have made some form of monthly payments consecutively for the last 12 months.. Georgia mortgage applicants with no credit can use the canceled checks or letters from a direct service provider to prove timely payment history for the last 12 months. Acceptable examples include: rental history, car insurance, utility bills, cell phone bills, daycare, and car insurance payments. Proof of these timely payments provides to the Georgia mortgage lender a financial record that would indicate how the mortgage applicant would handle credit in the future. Please note: These 3 accounts must be open for at least one year, a full 12 months no late or missed payments.

VA GEORGIA MORTGAGE LENDERS – VA loans are only for veterans and their eligible spouses, as well as those who have served within civil organizations. Eligible spouses include those who are married to a prisoner of war or one who is missing in action or un remarried spouses of a Georgia service member who died in action or of a service-related injury. VA mortgage loans require no down payment or monthly fee, but there is an upfront funding fee that can be financed into the loan making the VA mortgage a 100% no money down mortgage loan.

NO CREDIT GEORGIA MORTGAGE LENDERS  NO CREDIT loans are available to all Georgia mortgage applicant’s buyers in every city and county in Georgia. NO CREDIT loans have no income limits, but do have maximum loan limits that vary from county to county. There is both an (UFMIP) upfront funding fee that can be included in the loan, as well as a small fee (MIP) mortgage insurance premium added to the monthly payment.

BAD CREDIT GEORGIA MORTGAGE LENDERS – A Georgia mortgage applicant cannot use a nontraditional credit line to correct or compensate for poor credit, such as a judgment, or past collections, no matter how thin his credit is. Even if there is only one judgment or collection on a Georgia mortgage applicants credit report, it will have to be settled with the creditor. Settling an old judgment or collection can be a great way to get a large item removed off one’s credit for pennies on the dollar. Also lowering the balance on an open and active account to less than 30% of the account limit can be a good way to increase a bad credit score.

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