Zillow Advice: Home Buying - Help finding appropriate home loan http://www.zillow.com/advice-thread/Help-finding-appropriate-home-loan/468661/ Zillow Advice | Zillow Real Estate You may also consider the ... http://www.zillow.com/advice-thread/Help-finding-appropriate-home-loan/468661/ You may also consider the option of bringing in a co-signer with more credit history that is acceptable to your preferred lender. Tue, 27 Nov 2012 00:21:00 GMT http://www.zillow.com/advice-thread/Help-finding-appropriate-home-loan/468661/ 2012-11-27T00:21:00Z Some lenders are willing ... http://www.zillow.com/advice-thread/Help-finding-appropriate-home-loan/468661/ Some lenders are willing to use alternative lines of credit (like cell phones and utilities which are in your name). Until you speak to a mortgage professional or two, you won't know. The fact that you can pay down 20% is very beneficial.&nbsp;<br/><br/>If you can't find one willing to do that you can certainly build credit, but it will likely take a year. Some of the easiest ways are to get a couple of secured credit cards and possible put some money in a CD and then borrow against it.&nbsp;<br/><br/>If you are paying back a student loan of any kind, you may have enough credit history. Sometimes you have more history than you realize.&nbsp; Fri, 16 Nov 2012 02:52:00 GMT http://www.zillow.com/advice-thread/Help-finding-appropriate-home-loan/468661/ 2012-11-16T02:52:00Z The killer is no credit history.&nbsp;&nbsp; ... http://www.zillow.com/advice-thread/Help-finding-appropriate-home-loan/468661/ The killer is no credit history.&nbsp;&nbsp; Lenders want to see a history of responsible use of credit.&nbsp;&nbsp; Therefore, you need to take a systematic approach to build this up.&nbsp;&nbsp;&nbsp; Fri, 16 Nov 2012 02:07:00 GMT http://www.zillow.com/advice-thread/Help-finding-appropriate-home-loan/468661/ 2012-11-16T02:07:00Z