e field can also help. Assets can be critical to a lender, even if you plan to put nothing down. Having assets shows a mortgage lender that you are able to save money and manage your finances properly.

Your income may also be a critical factor. Having a high enough income for the loan is good, and being at this level of compensation for a while als

Basics Mortgage lenders may use alternative documentation to show that you have a good history of making payments on time. These documents may include:

• Phone bills
• Cable bills
• Utility bills

Phone Bills A borrower can show their past track record of paying their phone bills on time by providing copies of cancelled checks. Mortgage lenders often want to see at least 12 months of payment history, although they may be flexible about this. Cable Bills A borrower can show their past track record of paying their cable bills on time by providing copies of cancelled checks. Mortgage lenders often want to see at least 12 months of payment history, although they may be flexible about this.

Utility Bills A borrower can show their past track record of paying their utility bills on time by providing copies of cancelled checks. Mortgage lenders often want to see several months of payment history, although they may be flexible about this.

Additional Loan Factors Mortgage lenders will also look at other factors in your application beyond your lack of credit. These factors may include:

• Your employment, job stability, and field
• Your assets
• Your income

Mortgage lenders will evaluate your job history, usually mostly focusing on the past two years. It helps to be continuously employed. Having a long track record of employment in the same field can also help. Assets can be critical to a lender, even if you plan to put nothing down. Having assets shows a mortgage lender that you are able to save money and manage your finances properly.

Your income may also be a critical factor. Having a high enough income for the loan is good, and being at this level of compensation for a while also

ecks. Mortgage lenders often want to see at least 12 months of payment history, although they may be flexible about this. Cable Bills A borrower can show their past track record of paying their cable bills on time by providing copies of cancelled checks. Mortgage lenders often want to see at least 12 months of payment history, although they may be flexible about this.

Utility Bills A borrower can show their past track record of paying their utility bills on time by providing copies of cancelled checks. Mortgage lenders often want to see several months of payment history, although they may be flexible about this.

Additional Loan Factors Mortgage lenders will also look at other factors in your application beyond your lack of credit. These factors may include:

• Your employment, job stability, and field
• Your assets
• Your income

Mortgage lenders will evaluate your job history, usually mostly focusing on the past two years. It helps to be continuously employed. Having a long track record of employment in the same field can also help. Assets can be critical to a lender, even if you plan to put nothing down. Having assets shows a mortgage lender that you are able to save money and manage your finances properly.

Your income may also be a critical factor. Having a high enough income for the loan is good, and being at this level of compensation for a while als

e about this.

Utility Bills A borrower can show their past track record of paying their utility bills on time by providing copies of cancelled checks. Mortgage lenders often want to see several months of payment history, although they may be flexible about this.

Additional Loan Factors Mortgage lenders will also look at other factors in your application beyond your lack of credit. These factors may include:

• Your employment, job stability, and field
• Your assets
• Your income

Mortgage lenders will evaluate your job history, usually mostly focusing on the past two years. It helps to be continuously employed. Having a long track record of employment in the same field can also help. Assets can be critical to a lender, even if you plan to put nothing down. Having assets shows a mortgage lender that you are able to save money and manage your finances properly.

Your income may also be a critical factor. Having a high enough income for the loan is good, and being at this level of compensation for a while als

application beyond your lack of credit. These factors may include:

• Your employment, job stability, and field
• Your assets
• Your income

Mortgage lenders will evaluate your job history, usually mostly focusing on the past two years. It helps to be continuously employed. Having a long track record of employment in the same field can also help. Assets can be critical to a lender, even if you plan to put nothing down. Having assets shows a mortgage lender that you are able to save money and manage your finances properly.

Your income may also be a critical factor. Having a high enough income for the loan is good, and being at this level of compensation for a while als

e field can also help. Assets can be critical to a lender, even if you plan to put nothing down. Having assets shows a mortgage lender that you are able to save money and manage your finances properly.

Your income may also be a critical factor. Having a high enough income for the loan is good, and being at this level of compensation for a while also helps. If you have only recently received a substantial promotion lenders may discount this because you have yet to prove that you can keep a job at that higher level of compensation.

Further Steps There are many specialized mortgage lenders who will work with people who do not have traditional credit.

You also may be able to co-apply with a borrower with regular credit. Some lenders may even allow you to use a non-occupant co-borrower, which is a person who is on the mortgage application but who does not plan to live in the property.