A mortgage to purchase a home may be doable once you start to generate scores from your new credit cards. There are a lot of factors and location is HUGE because you will be talking with B-lenders and they are very picky where they lend. They like urban, well populated areas. Rural and well and septic are very hard. You will certainly need a 20% DP and maybe as much as 35% - depending on when you do this, and where you buy and your employment and income etc.