{"id":3971,"date":"2023-03-14T19:23:53","date_gmt":"2023-03-14T19:23:53","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3971"},"modified":"2023-03-14T19:30:08","modified_gmt":"2023-03-14T19:30:08","slug":"you-can-still-qualify-for-a-mortgage","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/nn\/you-can-still-qualify-for-a-mortgage\/","title":{"rendered":"You Can Still Qualify for a Mortgage"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3971\" class=\"elementor elementor-3971\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ccae8fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccae8fe\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8e6008\" data-id=\"b8e6008\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d87a9d elementor-widget elementor-widget-heading\" data-id=\"9d87a9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">No Credit Score? You Can Still Qualify for a Mortgage<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c4f8c32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c4f8c32\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-127d703\" data-id=\"127d703\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6152956 elementor-widget elementor-widget-video\" data-id=\"6152956\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen allow=\"clipboard-write\" title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/808059243?color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-379cd88 elementor-widget elementor-widget-text-editor\" data-id=\"379cd88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>You can still qualify for a mortgage without a credit score. <\/strong><\/p><p>If you are a borrower who doesn\u2019t use traditional credit but have exemplary payment history with rent and other non-reporting creditors, which can include Utilities, insurance carriers, and phone bills as well as a host of other verifiable creditors. Then you can use your nontraditional credit to qualify for a mortgage. It&#8217;s important to know that lenders still consider any derogatory credit references that appear on the credit report: -There cannot be any 30-day lates on rental payments within the past 12 months. -Just one other account can have a 30-day delinquency in the past 12 months. -No collections (other than medical collections) or judgments in the past 24 months. -Judgments, liens, collections, and charge-offs of non-mortgage accounts must be satisfied in accordance with guidelines. -The property must be a one-unit, principal residence, and all borrowers must occupy the property. -All property types are permitted, but NO mobile homes. -Must be a purchase or limited cash-out refinance. -The loan amount must meet the conforming loan limits -Must be a fixed-rate mortgage with Down payment of 10% or more. -Income to debt ratios can\u2019t be more than 40%. -Reserves may be required. Finally, there\u2019s a program that allows prudent borrowers who hate being in debt to get a mortgage without having to build traditional credit history to show a credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>No Credit Score? You Can Still Qualify for a Mortgage https:\/\/vimeo.com\/808059243 You can still qualify for a mortgage without a credit score. If you are a borrower who doesn\u2019t use traditional credit but have exemplary payment history with rent and other non-reporting creditors, which can include Utilities, insurance carriers, and phone bills as well as [&hellip;]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3971","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>You Can Still Qualify for a Mortgage - Heide International LLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heideinternational.com\/nn\/you-can-still-qualify-for-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"nn_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"You Can Still Qualify for a Mortgage - Heide International LLC\" \/>\n<meta property=\"og:description\" content=\"No Credit Score? 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