First-time home buyers often face challenges more experienced home buyers do not. One big difference is that first-timers are less likely to have a credit history. If you haven't borrowed much or used credit cards in the past, your credit report might have little or no information. This is known as a 'thin file' in the industry. Fortunately, a thin file shouldn't stop you from buying a home. Multiple loan programs today will accept buyers with no credit score at all, as long as they can afford the upfront cost and monthly mortgage payments. Here's how to get approved. | 
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