mortgage loan I’m short of credit help!?

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city give 7500, fha approve 80k, no credit score, no cc, no car pm, rent At, no credit history, light has delinquencies, no utilities, what can I do to get the loan? i need to be able to show 12 months worth of credit for fha.Anybody been through this if so what did you do?
i already have down payment assistance,plus extra money, my lights are not off or ever, it’s the reminder letter, my lights are current, the credit score is to low, so i need atternative credit for the loan from fha

4 Comments
  1. Reply
    Sharon T
    May 17, 2011 at 5:04 am

    If you haven’t paid your light bill on time, I doubt you will get the mortgage. That is a serious reflection on your credit worthiness.

  2. Reply
    ibu guru
    May 17, 2011 at 5:16 am

    What are you doing trying to buy a house when you have no credit? And you have a utility delinquency! You have no business trying to buy a house right now.

    Pay off the delinquency. Build your credit. Save up a down payment. Then see about buying a house.

  3. Reply
    bdancer222
    May 17, 2011 at 5:24 am

    If you have no credit history, there is no way you will qualify for a mortgage. Don’t waste everyone’s time.

  4. Reply
    Ed Atun
    May 17, 2011 at 5:39 am

    FHA accepts people with bad credit. Apply at Wells Fargo Mortgage..

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