Can I attain a mortgage loan beside $40000 surrounded by the ridge but no credit history?

my wife has good credit (720) but does not work. I hold a good job but hold no credit history. We would like to take ascendancy of the first-time-buyers credit available until dec.1
Answers:
With no credit history, that will be difficult. You won't know until you see a lender for preapproval.
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Yes you can with an FHA loan. In order to build a credit history, FHA allows the use of alternative trade lines. The style it works is a mortgage banker/broker will take things like your rent history, vehicle insurance, utilities and add them to your credit report to create credit history. Source(s): I'm a mortgage banker/broker

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