{"id":2551,"date":"2015-12-01T22:21:00","date_gmt":"2015-12-01T22:21:00","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=2551"},"modified":"2020-07-13T22:34:07","modified_gmt":"2020-07-13T22:34:07","slug":"credit-tricks-for-buying-a-home","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/credit-tricks-for-buying-a-home\/","title":{"rendered":"Credit Tricks for Buying a home with limited credit &#038; no money down!"},"content":{"rendered":"<figure id=\"attachment_1508\" aria-describedby=\"caption-attachment-1508\" style=\"width: 400px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/07\/approved-stamp.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1508\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/07\/approved-stamp.jpg\" alt=\"USDA guidelines allow for limited credit and no money down\" width=\"400\" height=\"224\" \/><\/a><figcaption id=\"caption-attachment-1508\" class=\"wp-caption-text\">USDA guidelines allow for limited credit<\/figcaption><\/figure>\n<h1>Limited Credit &amp; No Money Down Mortgages<\/h1>\n<h2>Do you have limited, but good credit and want to buy a home with little to no money down?<\/h2>\n<p>Our USDA guaranteed loan guidelines will allow for us to add nontraditional credit to a thin credit file in order to get approval for the buyer.<\/p>\n<h2>Check out these 2 USDA loan approvals for very limited, but good credit\u00a0buyers that needed 100% financing.\u00a0\u00a0Here are two scenarios below in which we were able to help:<\/h2>\n<p><strong>Buyer # 1:<\/strong><\/p>\n<ul>\n<li>First time buyer with very limited credit experience<\/li>\n<li>Only one trade line (a student loan) reporting on credit<\/li>\n<li>Rent paid on time for over a year<\/li>\n<li>Car insurance paid on time for over a year<\/li>\n<li>2 months of payments in reserves in the bank<\/li>\n<\/ul>\n<h2>Result:\u00a0 Buyer is able to get 100% financing with the seller paying the closing costs resulting in practically no money out of pocket.<\/h2>\n<p><strong>Buyer # 2:<\/strong><\/p>\n<ul>\n<li>First time buyer with very limited credit experience<\/li>\n<li>Only one trade line (a car loan) reporting on credit for 2 years with no late payments<\/li>\n<li>Rent paid on time for over a year<\/li>\n<li>Electric bill paid on time for over a year<\/li>\n<li>660 credit score<\/li>\n<\/ul>\n<h2>Result:\u00a0 Buyer is able to get 100% financing with the seller paying the closing costs resulting in practically no money out of pocket.<\/h2>\n<p>[av_button_big label=&#8217;Contact us now to start the process of getting approved to purchase a home&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/contact-us\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<h5><em>Team Move\u00a0lends in\u00a0areas such as Wilmington, Leland, Hampstead, Jacksonville, Camp Lejeune, Whiteville, Shallotte, Southport, Elizabethtown, Lumberton, Fort Bragg, Pope Air Force Base, Sanford, Fayetteville, Southern Pines, Pinehurst, Rockingham, Raleigh, Cary, High Point, Garner, Smithfield, Clayton, Asheville, Asheboro, Rocky Mount, Wilson, Burlington, Kannapolis, Goldsboro, Hickory, Wake Forest, Salisbury, Matthews, Charlotte, Monroe, Statesville, Shelby, Lexington, Boone, Morganton, Cornelius, Holly Springs, Fuquay Varina, Kernersville, Kinston, Greenville, Outer Banks, Greensboro, Winston-Salem, Durham, Chapel Hill, Burgaw, Castle Hayne, Holden Beach, Supply, Ocean Isle Beach, Sunset Beach, Hubert, Tabor City, Carolina Beach, Kure Beach, Laurinburg, Topsail Beach, North Topsail Beach, Surf City, Sneads Ferry, Richlands, Lake Waccamaw, Wrightsville Beach, New Bern, Oak Island, Saint James, Wallace, as well as the rest of NC.\u00a0 North Myrtle Beach, Myrtle Beach, Conway, Loris, Little River, Longs, as well as the rest of South Carolina,\u00a0Virginia, and Georgia<\/em><\/h5>\n","protected":false},"excerpt":{"rendered":"<p>Limited Credit &amp; No Money Down Mortgages Do you have limited, but good credit and want to buy a home with little to no money down? Our USDA guaranteed loan guidelines will allow for us to add nontraditional credit to a thin credit file in order to get approval for the buyer. Check out these [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1508,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,17,167,40],"tags":[],"class_list":["post-2551","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-products","category-success-stories","category-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Tricks to Buy a Home With Limited Credit &amp; $0 Down<\/title>\n<meta name=\"description\" content=\"Our USDA guaranteed loan guidelines will allow for us to add nontraditional credit to a thin credit file in order to get approval for the thin credit buyer\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/credit-tricks-for-buying-a-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Tricks to Buy a Home With Limited Credit &amp; 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