Fannie and Freddie guidlines specifically allow for nontraditional sources of reliable credit history info ... it's up to the particular underwriter. So it can be done ... the problem is that it puts more risk on the underwriter, so there may be a lot fewer underwriters who will work that way. That doesn't mean that some underwriters won't want to make the coin going where others won't.

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"No one would have believed ... that this world was being watched keenly and closely by intelligences greater than Man's ... Yet across the gulf of space ... intellects vast and cool and unsympathetic ... regarded this earth with envious eyes, and slowly but surely drew their plans against us." - H.G. Wells, The War of The Worlds, describing how Martian JDBs think about Earthling debtors

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