I have a low credit score 500 (never declared bankruptcy, Never had a loan go in to default or had a debt written off). I’m just young have very litle credit history except for credit cards.

I have enough for a down payment 10%.

The morgate will only be 15%-20% of my take home income.

Do you think I will be able to get a loan?

I have 6 months of good credit card history, but nothing else
I own 2 acres of completely paid off land
I am 20 years old

Someone told me that i need 3 years of credit history to get a home loan. Is this true?

I am expecting to pay about 25% down payment, but I just want to make sure that i can get a loan without a co-signer.