In order to get a mortgage you need three things: Income - you have that covered, Assets - cash on hand to put down on whatever you're buying, and Credit. Without a credit scored you are not going to be able to get a loan. That said you may have a credit score. Have you been paying a cell phone bill, utility bills, a car note, student loans? All of these go towards your credit score. If you really have no credit score than you need to start building one up. I've attached a link below that you may find of interest.