<prompt> Human: My wife and I tried to get a mortgage last fall and were told it would be impossible, and that we should get some credit lines and try again. Were now being told to wait until July before we can get approved. Does that sound right?Details:-No debt completely debt-free since 2010, student loans and one car loan before that-No credit score when it was checked in the fall Credit Karma gives a score even when FICO does not-Rental history just started in July 2012 free housing from work before then-One credit card we received in December-Decent income -20 down payment almost completely savedMeanwhile, I have a relative in a lot of debt whos scoring a zero down payment USDA loan. Just doesnt make a lot of sense to me.tl;dr Been responsible and still being put off on a mortgage- is our mortgage broker correct that we cant get a mortgage?Edit: Thanks for the advice and discussion. tl;dr of my responses:Recent try again in July was from a mortgage broker. Tried with same broker plus Churchill Mortgage, big bank, and informal discussions with credit unions in OctNov.  <response>: Just because they wont give you a mortgage doesnt mean someone else wont 