What will the bank say?

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Okay so I'm 18 and I want to buy a parcel of land I found and have looked at three times, once already with a realtor.

My question is: I want to make an offer on the land, but before I can I need to see if the bank will let me take out a mortgage. Will they? I have never taken out a loan (not a legal one at least, I did borrow $1,500 from my folks once and paid them back every cent of it.) I basically have no credit because I've never taken out anything.

So will the bank let me take out $20,000? Obviously you will NEVER get a credit history if no one will ever let you borrow money because of that fact that you DON'T have a credit history. Will they let me... or will I have to have my parents co-sign? What exactly will happen?