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Ask Dave

No Credit Score Required

Matt asks how to get a mortgage without a credit score. Dave says it's all about manual underwriting.

QUESTION: Matt on Twitter asks how to get a mortgage without a credit score.

ANSWER: You have to find a mortgage company that actually knows how to do mortgages without a credit score. There aren’t many of them, but some of them do. Churchill Mortgage is one. It’s an old process called manual underwriting where they actually check and make sure there’s a human being that can pay their payments because they actually check on your job. You have to have been there for two years or more. They check on your income—make sure it’s enough to pay the bill. They make sure you paid your landlord early or on time for two years, and you’ve got to verify all that. Then you can—with zero credit score—a mortgage. No credit score. Zero.