too young for mortgage?

[Sylvia Kuzminski]

Hi, I am 21 years old and am hoping to purchase my first duplex with an FHA within the next year. I am wondering if this is realistic? Will I get approved for a mortgage? I will have about 15-20k cash for a down payment. I have multiple credit cards and a total credit limit around 10k. My credit score is good, but not excellent. I have been employed since the age of 15. I have never taken out a loan. I thought of something, let me know if this would help or if it is not a good idea- my parents pay my school tuition so I was thinking what if I take out a student loan under my name for my last year of college and ask my parents to pay it off completely at the end of the year? Would this help me when I apply for a mortgage or is there no point in doing this?