<prompt> Human: I have been spending the last year looking my dream property with a house on it. I finally found what I am looking for, but Im not sure what my next step should be because I have horrible credit. Ive never had a credit card or taken out any loans. I was given a trust fund from my grandparents with around 500k in it, but I dont have control over it until 10 years from now when Im 35. I currently get a 2500 monthly direct deposit from the trust. I also make 12-20k a month depending on how well my business is doing. I have enough to cover the down payment, and can afford monthly payments that would get the place paid off in 5-10 years depending on what I want to spend per month. Is there anyway I can get financing for this despite having absolutely no credit and a terrible credit score?And yes I do realize that never getting a credit card was a stupid mistake, I just didnt really think much about it and didnt understand why I would want to borrow money and pay it off every month instead of just using a debit card. I would also greatly appreciate any tips on how to build credit from scratch as I now realize how many things I am pretty much excluded from because of my lack of credit. Really really appreciate any advice on this, thanks a ton!EDIT: Wasnt sure what flair I should use so I put housing, but please let me know if credit would be more appropriate, thanks.  <response>: You dont have terrible credit, you have no credit history. With your income and assets have you even tried going to getting a loan. I cant image that someone wouldnt underwrite that loan. Also depending on how the trust was written you may be able to use it for collateral 