• Mortgage Underwriting Help Desk

  Need Mortgage Help-No Credit Score-Contract for Deed Refinance

  Posted by Hector on October 7, 2026 at 6:29 pm

  Subject: Mortgage inquiry — no credit score, contract-for-deed refinance

  Hi,

  I’m looking to refinance a contract for deed into a fixed-rate first
  Mortgage. I have no credit score — about 20 years with no loans or
  Credit cards, so my reports come back unscoreable.

  – Property: 105 Oak St NE, Brownsdale, MN 55918 (my primary home)
  – Contract-for-deed payoff: $25,879 — paying $600/month since 2017, never missed
  – Want: $40,000–$50,000 fixed-rate first mortgage

  Can you tell me:
  1. Do you manually underwrite borrowers with no credit score?
  2. Can you pay off a contract for deed as a refinance?
  3. Is a $40,000–$50,000 loan okay on your end?
  4. What alternative-credit documents should I send (payment history,
  Utility bills, bank statements)?

  • This discussion was modified 2 minutes ago by  Hector.
  • This discussion was modified 2 minutes ago by  Hector.

  Hector replied 3 minutes ago 1 Member · 0 Replies

  • Need Mortgage Help-No Credit Score-Contract for Deed Refinance
• 0 Replies

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