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No Credit Score? No Problem!
Thinking about buying a home, but have a zero credit score?

Despite what our culture and other lenders say, it’s possible! Churchill Mortgage accommodates this type of home loan on a regular basis with expertise.

Get the tools and resources you need to make your no score loan experience your best journey yet.

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Why We Celebrate the No Credit Score Loan

For over 30 years Churchill Mortgage has been on a mission to lead our clients to the ultimate American dream — debt-free homeownership. We believe debt-free individuals with no credit score (and deemed credit invisible) should have the same access to a smarter mortgage as individuals who have a FICO® Score. Being debt-free is a big deal and should be celebrated!

How do you get a mortgage without a credit score or FICO® Score?

A lot of weight is put on a FICO® Score because it’s an easy way to do a quick risk assessment. If you don’t have a FICO® Score it can make qualifying for a mortgage a little more difficult, but not impossible. At Churchill, our Home Loan Specialists are professionally trained to help you get a smarter mortgage that can be paid-off quickly, so you can return to a debt-free lifestyle as soon as possible.

All home loans go through an underwriting process, but no score loans need to go through a manual underwriting process. This means an underwriter will review your application — including documents such as bank statements, pay stubs, and monthly bill payments. There is more documentation involved when applying for a no credit score loan, but once approved the process is as seamless as any traditional home loan.

I'm debt-free and looking to buy a home—what’s next?

Congratulations on being debt-free! Here’s 5 easy steps to getting a no credit score loan:

  1. Fill out the form and connect with one of our Home Loan Specialists.
  2. Determine how much you want your mortgage payment to be each month. We recommend no more than 25% of your take-home pay. Check out the How Much House Can I Afford? calculator to help you crunch the numbers!
  3. Review your Total Cost Analysis provided by your Home Loan Specialist.
  4. Gather all necessary documents: paystubs, bank statements, monthly bills, and investment information.
  5. Set aside money for your down payment.

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Enter your phone number and we'll text you a 6-digit security code to verify it's you. Standard texting and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions..

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Finally, how did you hear about us?

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By submitting this form, I/we agree to your Privacy Policy Terms of Use and authorize Churchill Mortgage Corporation and/or their Preferred Provider for our area and/or The Churchill Agency to receive the above information to assist in obtaining a home loan.

I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

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Thank you for choosing Churchill Mortgage to help you with your home loan needs!

Our team is already hard at work connecting you with your Home Loan Specialist. Rest assured that we've received your request and will be in touch with you shortly.

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What do I need to get qualified if I have non-traditional credit or no credit score?
  • Typically, you must have four alternative credit tradelines with the most recent consecutive 12-month payment history from the creditor stating each were paid on time.
  • Alternative credit can be: cell phone bills, utility bills, insurance that’s paid monthly or quarterly (but not payroll deducted), school tuition, child care, or rent payments.
  • If you’re living rent-free, things get a little trickier. A conventional loan without a 12-month rental payment history will require 12 months of assets to cover your principal and interest (P&I), taxes, property, flood, and mortgage insurance premiums (also known as PITI).
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How do I prepare for the underwriting process?
  • With no credit score available, an underwriter will go through all of your documentation to establish a history of payments for alternative credit.
  • Don’t look for quick answers during this process. It can take about three times longer than a normal borrower file and sometimes additional documentation will be requested.
  • Give your underwriter at least 60 days to look in to the loan risks before issuing approval. Your Home Loan Specialist is always available to give a more detailed timeline for the underwriting process and to assist writing a contract closing date.
What type of no score loan has the best chance of approval?
  • We’ve found that a 15-year fixed rate loan with a 20 percent down payment gives you the best chance for approval.
  • This type of loan eliminates the need for private mortgage insurance (PMI) and presents a lower risk to the loan servicer.
How do I protect myself during the home loan purchase while I’m waiting for a no score loan approval?

Don’t sign any sales contracts for a home purchase without protective contingencies to cover you in the contract.

Make the sale contingent upon being fully approved, otherwise all earnest money can be returned to the buyer.

Stay away from any 100 percent commitments until you know your loan has been “cleared to close” and there aren’t any other conditions needed.