<prompt> Human: What other options do I have being ao have no credit?Assistant: Youre 18, you dont need a house. See the world first. Or at least the country. Human: And why is that? Assuming you dont know my background?  <response>: Have you ever heard that friends become enemies when they are roommates?The only ship that wont sale is a partnership. Your mother is wise for not agreeing to be financially responsible for you and your friends.If payments on a house are dirt cheap then surely you can find a place to rent dirt cheap as well.Sometimes it feels as if mortgages are more permanent then marriages.My advice is that you live with your friends that you plan to buy a house with in a rental for 1 year. Just see how that goes. Slow down.Rome wasnt built in a day and rich people did not get that way by signing up for 30 years of payments on a quickly devised plan.If after 1 year of renting you still want to buy a house, then sure, go for it. Use the 1 year to build some credit and savings for a down payment. 