Reply #31: I agree that you should still be able to get a mortgage. [View All]

[Left Is Write]

When we bought our first house, my husband had NO credit history at all - no credit card, no car loan, no nothing. Although I had good credit, my income alone wasn't enough to get the mortgage we wanted.

What we did was bring in 12 months' worth of utility bills (gas, electric, cable, phone) with my husband's name on them, showing that we paid promptly and in full every month. That was all it took.

With your down payment, you shouldn't have any trouble at all. I'd talk to someone else.