Putting $150k down is like standard since you need to put down 20% anyway. Are you paying like significantly higher interest rate like a jumbo loan? If you don't have a credit score, the government won't back it so its more risk on the bank and you're paying a much higher interest rate. Banks also don't keep the loans and package them up and sell them. If you don't have a credit score, not sure how they would do that. No score would qualify as subprime.