That's right, for now FICO scores only. However, if your credit history is so empty that you do not have any FICO score, there is another way. Typically if you can verify three regularly paid bills, one of them being rent, you can get an FHA loan without a credit score. To verify those accounts we would need to see proof of payment for all of them. For rent it can be cancelled checks, money order receipts, etc. Cash is a problem. The other two accounts can be utilities, daycare, or anything else you pay regularly and on time on a monthly basis.