{"id":13,"date":"2026-09-02T12:00:00","date_gmt":"2026-09-02T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/thierryabelmortgage-com\/2026\/09\/02\/no-fico-homeownership-may-still-be-possible\/"},"modified":"2026-09-02T12:00:00","modified_gmt":"2026-09-02T12:00:00","slug":"no-fico-homeownership-may-still-be-possible","status":"publish","type":"post","link":"https:\/\/www.thierryabelmortgage.com\/blog\/2026\/09\/02\/no-fico-homeownership-may-still-be-possible\/","title":{"rendered":"No FICO? Homeownership May Still Be Possible"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>A limited or unavailable FICO score does not automatically end the path to homeownership. Depending on the program, lenders may evaluate housing history, alternative or non-traditional tradelines, co-signers, and the credit profile of other borrowers. Conventional financing may allow no-score borrowers with 12 months of housing history and a non-occupying co-signer. FHA requires at least one borrower to have a credit score, while no-score borrowers need three alternative tradelines and 12 months of housing history. VA financing requires at least one borrower with a minimum 620 score, three non-traditional tradelines for no-score borrowers, and does not permit gift funds. Guidelines vary by lender, so San Francisco Bay Area buyers should seek a personalized review before applying.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A limited or unavailable FICO score does not automatically end the path to homeownership. Depending on the program, lenders may evaluate housing history, alternative or non-traditional tradelines, co-signers, and the credit profile of other borrowers. Conventional financing may allow no-score borrowers with 12 months of housing history and a non-occupying co-signer. FHA requires at least [&hellip;]<\/p>\n","protected":false},"author":415,"featured_media":53,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/users\/415"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":0,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/13\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/media\/53"}],"wp:attachment":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/media?parent=13"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/categories?post=13"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/tags?post=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}