Everyone of us wants a house, a new house or just to start something else or move from their parents when they finish college. The basic thing is that most of the students may not have a credit card and it could be a little complicated to get a home loan with no credit - it's a bit complicated, but not impossible - remember that. You don't have to waste your dream because you do not know a couple of things, you need to be sure you're going to get your dream, with every piece of information that you have. If you do not have a credit score, this does not mean you could not get a credit, it only means that you have to show some sort of income or net worth (if you are self employeed) so that you could qualify for something that you could get money from. If you don't want to be a risk for lenders, then you need to be sure that you have a regular income to show that you are not a risk - simple as that.

   There is a good time to buy a home when you see the interests are low - in this case you also have to know that in our today economy the interests are low and if you do have some money and a job (that's going to last and let you pay your bills) then you could take a home. Be sure you could pay the loan before you get it - this is a very important thing to remember and always think if you could repay, not to damage your credit score. 

•  fha loans - this are federal loans and are given by the government in order to give you the money to follow your dreams. You don't need a credit in order to qualify for this type of loans, this are officialy ment for people who need a first house and are searching in order to find something good for them.
• other type of loans: there are loans that you could take and pay in a certain amount of years (such as 15 years loans) - in this case it's cool because of the lower interests over time and the fact you could pay it easier and faster, rather than to wait all your life.The options are on your hands, you have to know that options are many, but if you don't know them, no one is going to tell you more about it.