Originally Posted by NoSoup

Although this may be true, I can tell you from my professional experience that very, very seldom will you obtain the best mortgage financing out there without a high credit score. There certainly are programs out there for people without any credit history reporting to the bureaus, however - nearly every one that I am aware of will have an increase in the rate to represent the additional risk the lenders are willing to take on without a credit score.

Additionally, in order no obtain financing without credit history, you typically have to be in a very, very good position financially speaking - a very large downpayment and significant liquid cash is almost always required....

Just figured I'd throw that out

Also, depending on the utility company that services your area, some do not report to credit reporting agencies.

Don't get me wrong, it certainly is possible to obtain a mortgage without a credit score, but it is much, much easier with a high credit score, and it is very likely you will get better rates and terms