How Do I Get A Mortgage with a Zero Credit Score?


  1. Look Like Famous

    Look Like Famous16 hari yang lalu

    When my husband and I were applying for a home loan I learned I have zero credit score. I was shocked and embarrassed but thanks to you I understand its ok.

  2. Sergio

    Sergio3 bulan yang lalu

    The guy from church hill told me interest rates are lower if your credit is good but you can still buy one with zero credit

  3. The J Brotherz

    The J Brotherz6 bulan yang lalu

    How about buying a rent to own home? Is this convenient?

  4. Jay C

    Jay C7 bulan yang lalu

    I just spoke to a representative from Churchill Mortgage and they stated they still need a credit score of 620 or higher to do a Manual Underwrite.! This is Crazy.!

  5. Just Saying

    Just Saying4 bulan yang lalu

    What would be the point

  6. Mike Clement

    Mike Clement9 bulan yang lalu

    when i contacted totalspyhacks i had debt of $10000 and a very low credit score with a few negative reports but they were able to fix all that in just 4 days. i was really impressed. i now have a great score with zero debt . reach out to totalspyhacks at gmail com and thank me later.

  7. lisa williams

    lisa williams9 bulan yang lalu

    thats awesome work right there

  8. Lory Andrews

    Lory Andrews9 bulan yang lalu

    when i contacted total spy , they assured me i would get a great score in just four days and they delivered but it took a week instead which is still really impressive.

  9. olive bells

    olive bells9 bulan yang lalu

    i trust them 100 percent,. i still cant get over the good job they did for me.

  10. pat williams

    pat williams9 bulan yang lalu

    totalspyhacks is incredible

  11. jane lewis

    jane lewis9 bulan yang lalu

    reach out to totalspyhacks at gmail com to fix your credit score in just days. it worked for me.

  12. Ian Andersson

    Ian AnderssonTahun Yang lalu

    Manual underwriting works great if you can prove you have some cash, steady income, and assets would help. It comes down to who you go to for the loan. Convential banks might give you a hard time. But this is America, there are lots of places to go for a loan!

  13. jablkova strudla

    jablkova strudlaTahun Yang lalu

    Nobody uses credit cards in Europe and nobody needs credit score to get a mortgage.

  14. Faizan A

    Faizan ATahun Yang lalu

    How about don't get a mortgage? Pay up front.

  15. Kate Heather

    Kate HeatherTahun Yang lalu

    Hi guys, I have something to share here and i want you to make use of this opportunity I actually thought it was a lie when my colleague told me about them. I had a total of $36,000 in student loan debt that I couldn't pay for 3 years until my friend introduced me to ZEUSHACKERS01atOUTLOOKdotCOM , I was in shock when they helped me clear the debts within few days. I'm so happy right now and I advice you guys to also get to them for help in increasing credit score, catch cheating partner

  16. joshx413

    joshx413Tahun Yang lalu

    You're so condescending

  17. Tim Kordik

    Tim KordikTahun Yang lalu

    I have said this before on Dave's videos and I will say it again: a zero credit score borrower against an 720+ borrower WILL have a higher interest rate. How do I know this? As a Dave fan, we went with Churchill Mortgage last year for our loan in CO. Overall, aside from some minor negatives, the experience was good - but what it taught me was that the ONLY way to secure the best RATE is to have a high credit score. You may qualify for the mortgage via manual underwriting, but you will not qualify for the best prime rate. I had to learn this hard way and wish I knew this ahead of time. Also please note that Churchill sells off nearly ALL of their loans to Wells Fargo after closing.

  18. J Mart

    J Mart9 hari yang lalu

    Thank you. We are just learning this to our sorrow.

  19. Traditionalist

    TraditionalistTahun Yang lalu

    There is nothing wrong with credit cards. I raised my fiances credit score soo much from a couple of credit cards. it's simple. pay them off each month.

  20. David White

    David WhiteTahun Yang lalu

    I thought Dave's whole thing is don't do a mortgage ever and only pay cash for a house.

  21. LeMarmot 1

    LeMarmot 13 bulan yang lalu

    In the total money makeover, Baby step four or five is all about paying off your mortgage within 15 years. Buying a rental or investment property is all about paying cash for it .

  22. chrisrefaei

    chrisrefaeiTahun Yang lalu

    David White if you can most people can't. Your home should be your only debt till paid off

  23. Joe Gantz

    Joe GantzTahun Yang lalu

    It's no longer the 70s Grandpa Dave. It's not difficult to maintain an above average to excellent credit score while working towards becoming debt-free. Simply pay your balance off each month

  24. Traditionalist

    TraditionalistTahun Yang lalu

    it is the best way to raise your credit score dramatically in a short period of time.

  25. Jaime Ness

    Jaime NessTahun Yang lalu

    I got a FHA $242k mortgage with no credit score and 3.25% interest rate in 2013. The local mortgage company I used and actually said it was easier to write my loan. My mortgage was bought my Wells Fargo the next month.

  26. Jason 000

    Jason 000Tahun Yang lalu

    I’m 19 and have a net worth of 13k no debt, I own my car

  27. Mike

    MikeTahun Yang lalu

    Exactly and i want to purchase an investment property but its challenging with no credit score with alot of banks

  28. Jason 000

    Jason 000Tahun Yang lalu

    A Benavidez I’m not going to college I’m a male stripper

  29. Hugo Lizardi

    Hugo LizardiTahun Yang lalu

    better than most people I know. Them: I got into a university and owe 27k my freshman year. I love college!

  30. TERRORoftheLORD

    TERRORoftheLORDTahun Yang lalu

    USDA will give you a mortgage based on your utility bills for the last 6 months as long as you have a 0 credit score. If you have any credit score the deal is off. So "0" is better with them!

  31. Fanta2g

    Fanta2gTahun Yang lalu

    What about getting a car without having a credit score

  32. Erika Erika

    Erika ErikaTahun Yang lalu

    Faizan Ali because some people finance . But if you pay cash you don't need credit .

  33. Faizan A

    Faizan ATahun Yang lalu

    I'm so confused, why would you need a credit score to buy a car? I've bought and sold 4 cars in the last 5 years without this "credit score".

  34. Erika Erika

    Erika ErikaTahun Yang lalu

    Fanta2g get a beat up ,, cash ,

  35. Nightfall

    NightfallTahun Yang lalu

    I bought a car cash, handed the money and drove off. No questions asked.

  36. jvolstad

    jvolstadTahun Yang lalu

    It's better however, to have a decent credit score. You can do that and still stay debt-free. Pay off your balance in full each month. You will never pay any interest.

  37. Chris Garner

    Chris GarnerBulan Yang lalu

    So you like giving your money away each month to banks?

  38. Traditionalist

    TraditionalistTahun Yang lalu

    that's exactly what I do. we were able to raise my fiances terrible credit score to a good credit score within a year. it's all about self control. that's what adults are supposed to do

  39. Nightfall

    NightfallTahun Yang lalu

    Dave mainly takes his advice from wealthy people, and every person he interviewed never had a credit card, nor borrowed money in their life.

  40. Laura Redfield

    Laura RedfieldTahun Yang lalu

    A-DUB Amir - Every Fortune 200 and Fortune 100 company I’ve consulted with on Human Resources and Staffing processes in the last decade has included credit scores in their hiring reviews. 🤷🏻‍♀️

  41. A-DUB

    A-DUBTahun Yang lalu

    Laura Redfield no most large employers do not pull your credit.

  42. Gina Bayer

    Gina BayerTahun Yang lalu

    USDA home loans are the best

  43. Gina Bayer

    Gina BayerTahun Yang lalu

    Get a secured credit card to build your score up quick

  44. UltraPercussion

    UltraPercussionTahun Yang lalu

    Gina Bayer But this is how to get a mortgage without a credit score period, which you can do with manually underwritten mortgages.


    EXPECT THABESTTahun Yang lalu

    Lol @ the same questions over and over and over again......🤷‍♂️🤦‍♂️😂