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.