Question: My credit stinks. I was the victim of a bad economy, lost job and predatory lender. But now I am on the road to recovery with a new job. However, my credit has been trashed making it hard to even rent an apartment. I am thinking about buying a home or even a mobile home. I was wondering if I can get a mortgage without a credit check?

Answer: Unfortunately, there is no way this is going to happen. Lenders take your credit very seriously when determining if you are eligible for a home loan. All banks or mortgage brokers will have to pull your credit scores from the three reporting agencies when they qualify you. This is a given and there is nothing you can do to get around this.

So, to answer your question, no, you cannot avoid this when applying for a home loan. Well, that is unless you pay cash and if that was the case, we wouldn’t be having this Q &A session on my blog.

The best thing for you to do would be to slowly build up your credit over the next few years. You should have 3 open credit lines and make sure you pay everything on time. This includes everything from your rent, utilities to your cell phone. Slowly over time, your FICO scores will raise. Then within 2-3 years you might be able to qualify with a lender for a new mortgage.

Here are some links to some in depth articles on fixing your credit, credit repair sample letters and getting a mortgage after foreclosure.

Moe Bedard
My name is Maurice "Moe" Bedard. I am the founder of America's #1 Mortgage Forum, My online work has been featured in the New York Times, LA Times, Fox Business, and many other media publications.