A steady job for 2 years and cash down certainly puts you in a good position to acquire financing. It would be fairly easy to establish credit quickly, which would help with your qualifications for mortgage financing. There is also alternative credit, which can be used in some cases to establish credit for the purpose of qualifying for mortgage financing. Alternative credit would be rental payments, utility payments, etc. that are not reported to credit agencies. Establishing credit might be as simple as applying for and opening a small credit card through the bank that you currently have your checking accounts with. Using the credit card to make minor purchases and paying the balance off would help establish good credit. By using only half the available balance on the newly opened credit card would also help establish good credit quickly. If you are interested in a meeting with a Realtor and Lender to determine a plan of action to help establish credit, become pre-qualified for financing and take a look at the type of homes your quaification would allow you to purchase, I would welcome the opportunity to assist you and arrange such an appointment with no cost or obligation. You can visit our website provided for additional details or email me through Trulia.com. We are based out of Hagerstown, Maryland, which I see is where you are also from.