I recently accepted another pastorate. We have been looking at buying a home, as the new church has no parsonage, and rental property is hard to come by. But - While we have a solid credit score, and the new church is giving a sufficient housing allowance in addition to base salary and benefits, underwriters are throwing red flags over the fact that we have no recent (past 4 years) "housing record" - aka - we haven't paid rent or a house payment in that time. Our loan officer has been talking to underwriters at several mortgage banks, and they all are hesitant to write a loan without that housing background. She is frustrated, and we are disappointed. But I thought it a good idea to post this so that others can keep this in mind - especially if you are a pastor in a position where you may one day need to buy a home, or are possibly going to be living in a parsonage... Just something to keep in mind.