You can either pay 100% cash or you can get manual underwriting. Manual underwriting is harder/takes longer, but is possible.

- Put at least 20% down on your home.

- Choose a 15-year, fixed-rate conventional mortgage.

- Have a strong employment history and personal income to support the loan.

- Demonstrate 4–6 trade lines that span 18–24 months. These are just regularly recurring expenses such as rent, electric bills, water bills, cell phones, etc.

[1] http://www.daveramsey.com/article/the-truth-about-your-credi...

[2] http://www.churchillmortgage.com/info/no-credit-score.aspx

What bostonOU said, also get a car loan or two? I recently got my first car loan without a cosigner. I have no credit history and only student loans since I'm just a college student, yet I have a decent-paying job and I also have better credit than ~35% of Americans according to the score report.