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Can You Qualify USDA Home Loan Without Credit Score?

Can you qualify for a USDA home loan without a credit score?

Michael Jensen, Mortgage and Finance Guru
, Mortgage and Finance Guru

It is possible to qualify for a USDA Home Loan without a credit score although it requires extra effort from the applicant and your lender. USDA Home Loan applicants without a credit score may qualify by providing multiple items that establish their credit history such as a rental payment history, utility or phone bill payments, insurance payments or an on-time payment history for other recurring bills.

USDA Home Loan applicants with credit scores below 640 or no credit scores are subject to manual underwriting instead of automated underwriting. In short, manual underwriting requires more documentation and effort by the lender to submit your loan application as compared to the USDA's automated underwriting process. Not all lenders are willing to do manual underwriting because of the additional work required so be sure to confirm with your lender upfront that they do manual underwriting for USDA Home Loans.

We provide a comprehensive overview of the USDA home loan program, including borrower income limits, on FREEandCLEAR for you to review. You can also use our USDA Mortgage Qualification Calculator to determine what size USDA loan you can afford and to understand the mortgage insurance fees required by a USDA loan.

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About the author

Michael Jensen, Mortgage and Finance Guru

Michael is the co-founder of FREEandCLEAR. Michael possesses extensive knowledge about mortgages and finance and has been writing about mortgages for nearly a decade. His work has been featured in leading national and industry publications. More about Michael

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