i need a nina loan. i fico of 606 middle. cant prove income other then bank statements, will be owner occupied likely coowned also with family memeber, first time buyer, dont want to put anything down if i dont have too (10k at disposal but saving for emergency repairs or such), and i will need atleast 280k in new jersey. e-mail me if you can help thebagman78@yahoo.com
If you actually have no credit score (from all three agencies), there are a number of lenders that have programs for “alternative” credit.
However, these programs are only for owner occupied properties.
As long as you have things like utility bills in your name, phone or cell phone, etc. most programs will accept 3-4 of these with at least 12 month history as an “alternative”. And, of course they are going to be looking at your payment history on these accounts.
Do not know of anyone that will do this for investment properties.