When applying without a credit score, lenders often impose stricter limits to ensure stability:

: Typically capped at 36% for no-credit borrowers, compared to 43% for those with established credit.

The most common path is , a process where a lender verifies your financial reliability using alternative data rather than a credit score. Proven Ways to Buy with No Credit

Buying a house without a credit score is entirely possible, though it requires more documentation and preparation than a traditional mortgage.