Well, if you’ve paid off all your debt then, it is recommended that you get a credit score before buying a home because it is possible that you won’t have a credit score when you meet with a mortgage lender McAllen TX. However, you can still get a mortgage loan. Because some homelending McAllen TX Company make you go through a process called manual underwriting. However, not every home lender McAllen TX offers manual underwriting so you better research about the mortgage lenders first.