Opening a credit now won't have any effect one way or another because you need a history of payments. Better to apply for a cars after you get your mortgage. This will help you down the road. You will then have a mortgage history under your belt -- and you will then get plenty of credit card offers.
However, don't charge too much. Just a small amount and pay it off right away. You will then be on your way to a AAA credit rating. It's a process, but anyone can get there !!!
Bank of America Home Loans
201 741 5269
You could also look for seller financing.... like this one... http://hometeamnj.com/12-w-7th-ave-runnemede/ but "good" down payment may mean different things to you and the seller.
I hope that's helpful... if so, click the "thumbs up" below,
Joe Montenigro REMAX Home Team
Broker, GRI (856)374-2800 x106
Serving Gloucester Twp, Washington Twp & South Jersey Real Estate Markets
Note- Email me directly for follow up questions or answers, I don't monitor this forum for replies.
Thanks for your question.
1.- Try to get a secure credit card with the bank you have your checking/savings with. they can have certain agreed amount as collateral.
2.- Talk to the loan officer I work with at Wells Fargo. He will tell you what to do. 856-562-2286. His name is William.