Freddie Mac will offer automated assessments for borrowers who do not have credit scores, saving time for lenders and expanding its lending service to more prospective customers, according to multiple media reports.

Starting in June, borrowers without credit scores may be eligible to take out mortgages or refinance transactions on single-unit owner-occupied homes with no cash-out. Currently, Freddie Mac allows lenders to manually underwrite mortgage loans to customers without credit scores, according to Yahoo Finance. Allowing for the automated loan underwriting will allow more credit-free borrowers to secure loans while assuring with greater certainty that the loan will be purchased by Freddie Mac.

The move may benefit Millennial first-time buyers, who are continuing to struggle to enter the market as the housing recovery continues. This change toward automating the assessment process became a necessity in an evolving U.S. housing market, David Lowman, executive vice president of Freddie Mac’s Single-Family Business, told Marketwired.

“We’re committed to supporting responsible lending and improving access to credit for all borrowers, including first-time homebuyers, low- and moderate-income buyers and underserved populations,” Lowman said. “It’s important that we keep pace with the evolving needs of the U.S. market and help support sustainable homeownership.”

Under the new system, borrowers will only need to show payment references, which include records showing that they make housing payments on time.