If you are living debt-free or are "credit invisible," this guide will walk you through the non-traditional paths to homeownership available in 2026. 1. Leverage Manual Underwriting
Yes, You Can Buy a House Without a Credit Score—Here’s How is it possible to buy a house with no credit
While most traditional lenders rely on a credit score to assess risk, you can secure a mortgage through a process called manual underwriting , where a human loan officer reviews your full financial picture instead of an automated algorithm. If you are living debt-free or are "credit