It can be. You need to have at least a few established credit accounts to develop a score, and you need a score for most loan programs.
It's great to keep your spending under control by only using cash, but if you ultimately need to finance the purchase of a home, the sooner you solidify a good payment history the better. Without using credit, there's nothing for the bureaus to use as a basis for their scoring algorithms.
A good mix makes for the best start. For example, get a bank overdraft credit line, a credit card and an installment loan, such as an auto or personal loan.
Reach out to a Fidelity Bank Mortgage Loan Officer today, and we'll be happy to answer any questions you may have.