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Would a thin file work for a mortgage ? A friend of mine wants to buy a house but his credit history is really short . His oldest account is about a year old . Whats the minimum history lenght required for a mortgage ?
The refugee is asking-
"Would a thin file work for a mortgage?"
Well, that depends. If you're a hot shot draft pic, with a 2 mil signing bonus out of college, you're good to go.
If you're a regular guy, just outta school with a job making 35k a year, well, you're prolly gonna get the dreaded, "tell ya what, lemme look this over and I'll get back to ya."
most lenders require 3 trade lines of 12 months
fha can utilize alternate trades like rent and electric payments verified.