Mortgage approval for a college student, Boston area

[Javier Fernandez]

I'm a sophomore in college right now, and i have the goal of saving money for my four years and buying a multi-family home owner occupied. As of now i only have a secured credit card that i've had for almost a year now. My fico score ranges from 680-720. I want to know if i'll be able to qualify for a mortgage 2-3 years from now if i only have my secured credit card and maybe a second card that's unsecured? I don't want to waste money on a car loan when i can buy it out right (which i did already). I'm from the Boston area, i'm guessing location makes a difference when getting qualified.