[HamiltonJay]

You don't have to have one day of credit history to get a Mortgage.. thats an absolute LIE that you have to have a credit card to get a mortgage! You just have to have a mortgage company that MANUALLY UNDERWRITES and doesn't do it by computer.

Don't buy into that "build up my credit with a credit card" BS!

[RockinRight]

I know that man. Let me add an addendum-

With the scenario I set up, it's pretty much a given that you can do it.

With portfolio lenders that manually underwrite (also VA or FHA in many cases), you are 100% correct. You'd need 10% down (at the very least) and could do it with no credit, especially if you can at least prove you pay SOMETHING (rent, utilities, cell phone) on time.

I never said you have to have a credit card to get a mortgage. I was just telling Lazamataz that in his scenario he probably could do it.

[Lazamataz]

You don't have to have one day of credit history to get a Mortgage.. thats an absolute LIE that you have to have a credit card to get a mortgage! You just have to have a mortgage company that MANUALLY UNDERWRITES and doesn't do it by computer. Don't buy into that "build up my credit with a credit card" BS!

Oh dear. I've been wasting time.