I plan on buying a house this year. I don't know if we will go conventional or FHA but regardless, I know the lender will want to see payment history of rent, etc This is my problem. I own the home we have now but it is carried by a private person that doesn't report. Problem 2: I don't want them to report or use that payment history. It's horrible. This may sound strange but my house is the very last thing I pay. I often go long periods of time without making a payment since the only consequences are the late fees (which are worth it to utilize my funds differently on things that do report, etc) So, even if I pay the payment from this day forward on time, I still won't have the 1-2 years proof of good payment history. What do I do? Do *I* supply the payment history? Also, I'm thinking that I shouldn't even CLAIM that I have this home--the payment is small so I'd like to keep it out of my whole ratio calculations. This is kinda stressing me out, any help out there?