In the event of your untimely demise, the mortgage company will require another person to pay the mortgage. The good news is as long as your credit history is good, and your loan amount falls within your budget, your loan will be approved. Having NO credit is far different from having BAD credit, and the interest rate SHOULD be based on the loan type(VA,FHA, etc..) and duration(15yr,30yr). Always shop for the best lender, same as you would for a car,pair of shoes, or corn flakes.
Let us know what rates and terms you are presented with. Several of use will have the benefit of house purchases under our belts and would be able to provide insight to the options available.
Of course, this information is provided with good and honest intentions, and is worth the full purchase price of $0.00
Semper Fi