so ultimately you have to have three things number one proof of payment history so bring in at least four regular monthly payments that you have to make so that could be daycare tuition utilities other bills you may have insurance premiums cell phones whatever it is number two you have to have a larger down payment so aim for 20% or more so that it reduces the lender's risk and number three choose a 15-year conventional rate mortgage so no FHA Loans no subprimes and no 30-year with 5 % down so repeat after me I do not have to use credit cards to build a credit score to buy a house it is not true.
