There is no requirement to have three forms of credit to get a mortgage. It is usually an overlay required by the individual lender. I have approved loans with only two forms of credit in the past. Also adding non traditional credit has been helpful too (phone bill, utility bill, insurance payments. Talk to a local mortgage broker and see what they say. Not all lenders are the same so don't speak to one institution and call it quits Call me if you like..
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Gillian Peterson of BrokersRealty.com