I believe (worse case scenario and you need a cosigner) you can buy with an FHA Mortgage with a non-occupant co-borrower. I think their name also needs to be on the title. You can find your prequalification quickly with Amerisave here:
Here is a very detailed website about Mortgages from a highly respected Ivy League, Wharton School Professor:
He also lists "upfront" lenders and Amerisave is one of them. They offer some of the best service, lowest fees and rates.
Also if you are a first time homebuyer and the combined income of buyers is less than about $70k you can get downpayment assistance money from the state of florida.
Hope this helps.
Alma Rose Kee, PA
Future Home Realty
Be advised not every lender will accept a borrower without having traditional credit and a minimum credit score. Although FHA, VA and USDA do make allowances for borrowers like you who have not opened any credit card accounts, auto loans, or personal loans etc. Make sure the lender or broker you choose has a program that allows for no-traditional or alternative credit i.e. auto insurance, rent, and utilities bills. These items can be added to your credit report. Although they will not change your score, it does looks better to an underwriter have these items supplemented on your report.
Best of Luck!