Another way to establish credit is if your work place is associated with a credit union. They'll make the loan, since you'd be a depositing member first, and then because the payment would most likely be on auto draft from your workplace.
For buying a house with no credit, as in there is no score because of a total lack of tradelines, it is possible to build a credit history. You need a broker or bank that is willing to do this, but it's not necessarily hard to do. You need to have 4 sources of regular monthly payments to fully document:
-Phone bill
-Cable bill
-Insurance, car, life, renters
-Power bill
-Retirement (maybe, good to throw in since it's also a verifiable asset)
-Cell phone
-Rent for 12 mos. ***
Gather your cancelled checks from your billing statements, bank statements for the last 12 months and present those--with no gaps--and they can work off of that in most cases. May or may not apply to non-owner occupied property, ask the lender about their underwriting guidelines.
There you go. Another reason that you always keep statements, pay stubs and copies of anything you do involving money.
Not having a credit score is FAR FROM the worst case scenario. You are only a tradeline or two from having a credit score to die for. The way scores work is that you start out at the top and screw it up from there.
You can be at the top and stay at the top if you manage yourself with care. The worst would be, say, letting a bunch of debts charge off and never doing anything about it. (j/k!)