How to qualify for a mortgageI am interested in trying to get a mortgage or work in the direction of one. I have been on my current job since 2006. I dont have any credit. I make apx $37,000.00 a year. I am aware I have some very small debt on my credit report that will be cleared up in no time. Do I need excellent credit to qualify for a mortgage or can I qualify with no credit and owing nothing? Thanks for your help in advance, Angela my email is[email removed by Zillow moderator]October 17 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.