You can either pay 100% cash or you can get manual underwriting. Manual underwriting is harder/takes longer, but is possible.
- Put at least 20% down on your home.
- Choose a 15-year, fixed-rate conventional mortgage.
- Have a strong employment history and personal income to support the loan.
- Demonstrate 4–6 trade lines that span 18–24 months. These are just regularly recurring expenses such as rent, electric bills, water bills, cell phones, etc.