When we bought our first home, we didn't really have any credit history at all. We hadn't even opened a credit card yet. My husband's having a debit card helped us a little. The mortgage lender told us that if we would have had more of a credit history, we could have gotten a 4.25% rate (really good at the time). We were given a 4.75% rate, not the end of the world but it made a difference. Since you are using credit cards and have a good credit score, I think you'll have no problems. Like arebelspy, I've never heard of anyone being penalized for not having had any long-term loans.