– Non-Traditional Credit and USDA Loans. If you don’t have a traditional credit profile, you can still qualify for a USDA loan. You will be asked to provide proof of what’s called a "non-traditional tradeline," essentially meaning that you pay your bills on time.
What Credit Score is Needed for an FHA Mortgage? – If you can keep your loan ratios under 47-48%, prove you have 12 months of job tenure and pay utility bills promptly, you're a possible FHA homeowner.