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I am not sure what you mean by 2 years credit. It is important to have a credit score since the lender uses that to help determine if you will pay the loan back. There are loans out there as long as you have alternative credit (rent, electric, cell phone, phone, etc.) An FHA loan with a non-occupant co-borrower (someone on the loan who won't live at the house) that may work for you if you don't have a deep credit history.Most lenders look for a 2 year job history, but if you were in school and have a new job, that can work too. Your college transcript will serve as your history.If you speak to a lender in your area, they can take a look at your situation and determine if you are mortgage-ready or if you need some guidance to get there.All the best in your search,Maryland Mortgage Mama
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