If your credit report confirms that you do pay on time and in full, you should have no difficulty in obtaining a mortgage. Do keep in mind that you never want to have too much outstanding debt so that you qualify from an income position. If you do not have much of a credit history, for whatever reason, you can still obtain a mortgage loan. However, these are sources of credit you may have obtained. Some potential homebuyers might have less than perfect credit histories.
Many programs exist for different types of borrowers.
Your dream of homeownership might still be within reach. Unfortunately, that kept many people from buying a home. That is not the case today. And in some situations, mortgage companies are beginning to offer programs requiring no money down. With conventional financing, you will pay the mortgage insurance with your monthly mortgage payment.