To take part in manual underwriting, you’ll need to provide the following information:
History of regular housing and other payments to creditors, such as cellphone providers, utility companies and landlords
Bank account statements to demonstrate cash savings
Two years’ worth of tax returns
Proof of employment, such as a verification letter from your employer, that applies to the previous two years
Prior 30 days’ worth of pay stubs
Verification of self-employment income, such as tax and other financial documentation
Financial and credit information for a cosigner with good credit, if you have one, which could help strengthen your application
That sounds hella invasive. The banks get nowhere near as much info here unless you use a bank you already have an account in, in which case they have access to that account’s information. Otherwise standard is 6 months of data.
You could have googled this in less time than it took you to ask the question.
https://www.experian.com/blogs/ask-experian/can-you-get-a-mortgage-with-no-credit/
That sounds hella invasive. The banks get nowhere near as much info here unless you use a bank you already have an account in, in which case they have access to that account’s information. Otherwise standard is 6 months of data.