To buy a home after returning without payment slips, first obtain a credit report to identify gaps. Use alternative documentation like bank statements, employment letters, and utility payments to demonstrate financial stability. Explore FHA loans, which accept non-traditional credit, or VA loans for veterans. Work with a mortgage broker specializing in immigrant buyers. Save for a 5-20% down payment and maintain steady income.

Traditional payment slips are critical for conventional loans as they validate creditworthiness and repayment history. Without them, lenders rely on alternative metrics. The Consumer Financial Protection Bureau (CFPB) reports that 20% of U.S. consumers lack sufficient credit data, often immigrants or recent transplants. FHA loans, requiring a 580+ FICO score, accept alternative proofs like rental agreements and employer verification, with 60% of applicants approved in 2022 (Federal Housing Administration). VA loans, requiring military service, need no down payment, aiding those with limited savings. Non-traditional lenders may offer higher rates but lower barriers. A 2023 Federal Reserve study found 64% of lenders now consider alternative data, such as utility payments, increasing approval rates by 15% for underserved groups. However, higher down payments (15-25%) compensate for risk, reducing defaults by 30% (U.S. Department of Housing and Urban Development). Proactive credit rebuilding and strategic loan selection are essential for overcoming payment slip gaps.