They are in their 30's had never had a credit card account or a loan in their lives, and never had a credit rating with either home they bought. They had only very modest savings.
They have bought two homes successfully with home loans and no money down. The banks' loan officers used written documentation from their utility companies and rental landlords of their own-time payments to qualify them for a home loan each time. Their latest loan was funded by a bank, and it's a 30-year loan with a very good interest rate. Surprisingly, each time the lender pre-qualified them for more than the price of the home they ended up buying.
It is also worthwhile to note that there may be different home loans available, depending on where the house is located and your income level. I suggest that you first get married and establish yourself by making reliable on-time payments of your rent and utilities.
you will probably need to have at least a year of credit reporting,
Open some accounts; Sears, T.J. Max, Mall Stores, Tire Stores; anywhere and everywhere.
Use them to buy things and then pay them off, or almost completely pay them off. Particularly for the first year, you might have a real low interest rate, inflating the second year. Use it to your advantage. Do not let the balance get away from you.
The best senario is to have a balance that is 20% of the LIMIT and within your budget; that company will make a good report on your record.
You might go to a Thrift Lender, borrow $500 and put it in a Savings Account, and pay them back over 10 months: DO NOT SPEND that money! Pay it back.
You will want to have a Savings Account with some money in it anyway.
BUT, do make any large, long term purchases; such as buying a car; it will ruin your DEBT/INCOME ratio.
Good luck and may God bless
To establish credit get a credit card and make payments on time, set up a credit account at a store and make payments on time.