Buy and hold without a credit score?

[Henry Le]

Hello BP community,

Is it possible to obtain conventional financing from banks without a credit score?  I heard of manual underwriting, but from my research, you have to jump through hoops and most banks don't offer it.  

I don't use credit cards so I don't have a credit score/history.  I just never had a need for them since my expenses are low and I save around 90% of my income due to living at home. I pay for everything in cash and don't have any debt.  I have around $200,000 in liquid assets, primarily stocks and cash.  So my borrowing ability should be better than most with a credit score.  

I haven't contacted any banks regarding my situation. But do you think that local community banks and credit unions will be willing to offer conventional financing to someone without a credit score, but with assets? Someone mentioned FHA loans, but I don't think I qualify.

Any insight would be helpful, thanks!