<prompt> Human: Not sure if this is the right place. I live in rural West Tennessee. Im 21 years old and work full time as a paramedic. I make between 40and 50 thousand dollars a year, which is decent since Im in an area with pretty low cost of living. I have no credit history and still live at home with my parents. Ive just never needed a credit card or to take a loan out on anything. Im starting to get the itch to attempt buying a home. I feel its unlikely Ill be able to do so with no credit. If thats the case then so be it, but I would appreciate any info on getting a home loan with no credit andor quick ways to begin building credit. Thank you in advance.  <response>: If youre making this much money and have little to no expenses, why not open up a credit card and build your history?Also, I wouldnt buy a home based on an itch. I have that same itch though Im a few years older than you, but there are a lot of financials that come with owning a home. Property taxes, repairs, maintenance, insurance, and a 20 down payment to avoid PMI. Youre also saddled to an area as well, because it makes no sense to buy a home if you think you may want to move within a few years. Id keep taking advantage of your current living situation, save a ton of money, look into investing, and using a credit card to build credit responsibly in the interim. 