What is the biggest hurdle we see lately for home buyers? A lack of credit...

To get a good credit score you need to establish credit and should typically have at least three current tradelines reporting to the credit bureau.  Credit cards are very important!   Even a small credit card with a $200 limit will help your score.   Try to keep a balance on your credit cards but try to keep the balance under 20% of the available credit.   You would be surprised how much this tip can help your score.