Loan Application with no Credit Score

Typically this is for an FHA loan. Yes, it can be done.

Yes, no, and maybe. technically yes, it may be possible with an FHA loan. You have to prove an "alternative" credit profile, like prove you've been paying rent, utilities, etc. Most lenders no longer offer this type of loan, but a few will. A much better piece of advice is to actually build a real credit history. I generally advise clients to get two credit cards of any kind. Once you get them, DO NOT use them, or just a tiny little bit. Put your Netflix or something on there, and that is it. After as little as 6 months, you'll now have a real credit history, and this will open up a lot of options. I lend in MN WI IA ND SD. Find me at FirstTimeHomeBuyer-Mn.com - Cambria Mortgage, NMLS 274132