If you have no credit score, you may think homeownership is out of reach, but that is not true. Many people who avoid credit cards, pay with cash, or are new to the United States have no traditional credit history. Lenders call this a non-traditional credit profile, and while it requires extra steps, you can still qualify for a mortgage. With the right preparation, you can show lenders that you are responsible, consistent, and financially ready to own a home.
What’s Ahead For Mortgage Rates This Week – January 26th, 2026
The Federal Reserve's preferred inflation indicator -- the Personal Consumption Expenditures (PCE) Index -- released under delayed conditions, but it was within expectations. Next week will be another Federal Reserve Rate Decision, and it is expected that the Federal Reserve will reduce rates at least one more time. The optimism among the broader market has been showing that multiple sectors that seem unphased by the administrative decisions and current political climate.
