Denied a Mortgage for Having No Credit Score? Read This

August 4, 2026

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David Ghazaryan

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TL;DR

This guide offers essential information for Texans who have been denied a mortgage due to having no FICO score, which is different from having bad credit. It details how to leverage a history of on-time payments for things like rent and utilities as an alternative form of credit.

Understand the process: Learn about manual underwriting, a hands-on review process that lenders use to assess applicants without a credit score.
Identify your options: Discover specific government-backed loan programs, such as FHA, VA, and USDA loans, that are designed to accommodate buyers with a thin credit file.
Prepare for success: Get a clear overview of the necessary documentation and steps to strengthen your mortgage application.

Read the full blog article here: https://www.iqratemortgages.com/blog/how-to-get-a-mortgage-in-texas-with-no-fico-score

Video Transcript:

A computer often rejects you for having no credit score. I am David Ghazaryan. I use a hands-on human review. We build your real credit story using your monthly rent. On-time payments for rent show you are a safe borrower. This strategy opens doors to specific loans like FHA, VA. Read the full article. Follow my platforms. Links below description.

Read Blog Here: https://www.iqratemortgages.com/blog/how-to-get-a-mortgage-in-texas-with-no-fico-score

David Ghazaryan

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