I'm not sure what you mean with the second part of your question though?
You should meet with several mortgage bankers and get yourself pre-qualified. Only then will you know if you can get a mortgage or not. It is possible to get a mortgage with no credit, but it is subject to your income, assets and debt as well. Good luck!
Mitchell S. Feldman
Associate Broker/ Director of Sales
Madison Estates & Properties, Inc.
Office: (718) 645-1665/ Cell: (917) 805-0783
It is unlikely, but you should speak with a mortgage loan office. With a full disclosure of your financial situation, they will know for sure whether or not there is a program you can be placed in.
Licensed Real Estate Associate Broker
450 7th Avenue Suite 1501
New York, NY 10123
If you do then it's 99.9999999999 percent it's a scam to bleed you dry. There is no easy way around bad credit. The best thing to do is clean up your report I can give you some major resources on how to do that.
Ramona Johnson, Licensed REALTORÂ® Coldwell Banker Mid Plaza Real Estate Office
It's relatively easy to resolve your credit issue, if the problem is simply an absence of credit scores due to not having a credit history. I have helped many first time buyers to resolve this problem in as little as 30-45 days and subsequently obtain an affordable and sustainable mortgage to complete their purchase. In fact, I provide this information without charge or obligation as part of the pre-approval process for obtaining a mortgage. I suggest that you consult an experienced and licensed loan officer to address this issue as the first step in purchasing a home. For more information or assistance, I can be reached directly at 917.699.0183 or via email at firstname.lastname@example.org. Follow me on twitter @mdenniston247.
Senior Loan Officer/Sales Manager
NMLS License 24076
Residential Home Funding