{"id":20,"date":"2026-09-08T17:00:00","date_gmt":"2026-09-08T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/thierryabelmortgage-com\/2026\/09\/08\/no-fico-you-may-still-qualify\/"},"modified":"2026-09-08T17:00:00","modified_gmt":"2026-09-08T17:00:00","slug":"no-fico-you-may-still-qualify","status":"publish","type":"post","link":"https:\/\/www.thierryabelmortgage.com\/blog\/2026\/09\/08\/no-fico-you-may-still-qualify\/","title":{"rendered":"No FICO? You May Still Qualify"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Limited credit history does not always mean homeownership is out of reach. In the San Francisco Bay Area, qualified borrowers may have no-FICO or alternative-credit options depending on the loan program. Conventional financing may allow no-score borrowers with 12 months of housing history and a non-occupying co-signer. FHA generally requires at least one borrower to have a score, while no-score applicants may need three HUD-approved alternative tradelines. VA guidelines may require one borrower to have a minimum 620 score, with three non-traditional tradelines for no-score borrowers. Gift funds may also be considered when permitted. Requirements vary, so speak with a licensed mortgage professional for guidance.<\/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>Limited credit history does not always mean homeownership is out of reach. In the San Francisco Bay Area, qualified borrowers may have no-FICO or alternative-credit options depending on the loan program. Conventional financing may allow no-score borrowers with 12 months of housing history and a non-occupying co-signer. FHA generally requires at least one borrower to [&hellip;]<\/p>\n","protected":false},"author":415,"featured_media":61,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20","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\/20","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=20"}],"version-history":[{"count":0,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/20\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/media\/61"}],"wp:attachment":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/media?parent=20"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/categories?post=20"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/tags?post=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}