Good afternoon Coconut Grove home buyer!
there are several reasons why a person can lack of credit history, maybe your credit is brand new because you are young, or you never actually worked on building it, maybe you are new to the country, maybe your credit has just been inactive for a too long, or other deeper reasons. (for more information you can read the Fair Credit report Act, it s free and public or contact a credit professional). But you also need to have income proof, last 2 years tax returns and bank statements reflecting your income deposits in order to have a pre-qualification done by your bank of any mortgage professional.
if you do have the rest of the documentation and you feel ready to start looking for your new home, I am a Realtor and a Licensed Mortgage Broker also, I can help you with that step if you like; but it is extremely important to remark that it is essential that you go through a pre-qualification processo BEFORE you start looking for your new property, so you can save some time, gasoline and headaches in the near future!
Have a great day!
Raquel Coronel P.A. - Realtor
firstname.lastname@example.org / www.raquelcoronel.com