No credit score is better than a score lower than 600 for FHA. You can indeed obtain a loan for a home with alternate credit sources, utility bills, auto insurance etc. All must have been paid on time and the requirement is that one of the alternate sources MUST be a rent reference. If you will email me, I will let you know more.
pam.shipley@realliving.com

Hi Rick,

That's nearly impossible. But if you have some equitable assests, they may benefit you as collateral and also if you have a very sizeable down payment that can effect your situation. Of course that's based on no credit as opposed to bad credit. I would advise you to sit down with a lender that you're comfortable with and create a financial plan that would build your credit history over a period of time. You can start small such as with a credit card and work your way up. It doesn't take that long in the scheme of things and it certainly won't be as long as it has been.