How to Buy a Home in Marana Without a Credit History
By Ryan Comstock, Marana Real Estate Expert
📞 (520) 261-4669 | 🌐 www.ryancomstock.com

Buying a home in Marana is an exciting step—but what if you don’t have a credit history? Whether you’re just starting out financially, recently moved to the U.S., or simply haven’t used credit, the good news is you can still become a homeowner in Marana. It just takes the right strategy and support.

1. Understand the Challenge of No Credit

Having no credit is not the same as having bad credit. It means there’s no record for lenders to review, so they can’t easily evaluate your borrowing behavior. But it doesn’t mean you're out of options.

2. Use Alternative Credit Documentation

Some lenders are willing to accept non-traditional credit to help evaluate your financial reliability. This might include:

• Rent payment history

• Utility bills (electricity, water, internet)

• Cell phone bills

• Auto insurance payment history

Showing 12 months or more of consistent, on-time payments can make a big difference.

3. Explore FHA Loan Options

FHA loans are designed to help people with limited or no credit history. These loans allow lenders to consider alternative data instead of requiring a standard credit score. With steady income and a manageable debt load, an FHA loan could be your path to a Marana home.

4. Put More Money Down

Saving for a larger down payment—ideally 10% or more—can improve your chances of approval. A bigger down payment lowers risk for the lender and might help you avoid private mortgage insurance (PMI), saving you money over time.

5. Use a Co-Signer If Needed

A trusted family member or friend with established credit may be able to co-sign on your mortgage, strengthening your application. Just be sure both of you understand the shared financial responsibility.

6. Work with a Local Realtor Who Understands

Buying a home with no credit history can feel overwhelming, but you don’t have to do it alone. I specialize in helping buyers navigate unique situations—connecting you with the right lenders, explaining your options, and guiding you from start to finish.

Ready to Buy a Home in Marana? Let's Make It Happen.
Call Ryan Comstock at 📞 (520) 261-4669 or visit 🌐 www.ryancomstock.com
Whether you're a first-time buyer or building your credit from the ground up, I’m here to help you find your place in Marana.