Getting a Florida mortgage with no credit score or a short credit history can be frustrating. The Catch-22 for most Florida mortgage applicants with no credit score is that they usually cannot get a Florida mortgage no credit history, and you cannot get a credit history without credit score. Many would be Florida home buyers do not know that the lack of credit history is not enough to keep you from getting a Florida mortgage. It takes a little more work to get approved for a Florida mortgage with no credit score is easier than getting a Florida bad credit mortgage. For Florida 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 Florida mortgage.



Most Florida mortgage programs 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 Florida mortgage lenders the no credit score removes them from consideration for a conventional Florida mortgage. However there are (3) three government-backed Florida mortgage loan programs will permit nontraditional credit lines in place traditional credit trade lines. These Florida Mortgage programs include the FHA,USDA, VA loans. While these Florida mortgage programs have minimum requirments, each participating Florida mortgage lender is free to enforce their own no credit approval guidlines.  Fill out a Full Florida mortgage application and learn how we can help you qualify for a no credit score Florida mortgage. READ MORE ON NO CREDIT SCORE HOME LOAN GUIDLINES.


All government-baked Florida mortgage programs use the same method for building and documenting non-traditional credit histories. Even if a Florida 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.. Florida 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 Florida 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. 

USDA MORTGAGE LOANS– The USDA earmarks its Florida mortgage program for buyers of primary residences in rural areas, but many suburban Florida counties areas are eligible for these Florida mortgage loans. These zero-down Florida mortgage loans have a small upfront fee that buyers can finance within the loan, but no (MI) monthly insurance premiums. There are however maximum  income limits for the USDA mortgage and special terms available for low-income Florida mortgage applicants. 

VA MORTGAGE LOANS– VA loans are only for veterans and their eligible spouses, as well as those who have served within particular 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 Florida 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.

FHA MORTGAGE LOANS- FHA loans are available to all Florida mortgage applicants buyers in every city and county in Florida. FHA 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 FLORIDA MORTGAGE– A Florida 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 Florida 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 ones 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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