Traditional credit scores don’t always tell the whole story — especially for younger or newly credit-active buyers. That’s why lenders are incorporating alternative credit data, such as:

• Rent payment history
• Utility payments
• Phone bills
• Bank account cash-flow
• Subscription payments

At Bluegrey Mortgage, we use programs that consider these additional data points, helping more borrowers qualify without needing years of credit history.

If your credit isn’t fully established, you still may have a path to homeownership. Talk to our team about qualifying with alternative credit today.