I work with some lenders who don't have a minimum trade line requirement, and some who will accept alternate trade lines (cell phone bill, car insurance bill, utility bills). If you have acceptable income, assets, and DTI ratio you shouldn't have a problem getting a loan now. If you were to apply for a credit card, you would need to wait 12 months for it to be counted as a trade line.
I would be more than happy to assist you with your purchase. I work with over 40 different lenders, to provide my clients with more opportunities. Feel free to contact me with questions, or to get started!
Market Place Mortgage
Lombard, IL 60148
Phone: (630) 217-7013