"Can" is not subjective--you either can or you can't. You said "to get approved for a home loan requires credit," which is demonstrably incorrect.
That last statement is only true if you assume that a mortgage lender who can do manual underwriting will not have competitive rates. That seems like an unwarranted assumption.
You "can" win the lottery.
"can" get a mortgage loan without credit =! "can" buy potato chips at walmart
Getting the mortgage inherently establishes credit. Why not establish good credit prior to getting the mortgage?
Also, as far as "competitive rates" I mean that if it takes more work, and finding lenders who can manually underwrite the loans, that limits the market. A limited market equals less competition. Maybe you can equal or beat rates without credit, but it takes very little difference in a home loan to equal large amounts of interest in the long run. Spending a small amount in interest (small short term loan) to establish credit can mathematically be superior to avoiding credit entirely prior to getting a home loan.
I'm not sure why you'd assume that I'm offended by your erroneous statements; your opinion of him is your issue, not mine. I don't think you're a jerk, I just think what you said was incorrect...
That was mostly in jest, since you jumped in to correct my statements about him. Hence the "LOL!".
"credit is the devil" and avoiding credit altogether is treating a symptom, not the cause. The cause is fiscal irresponsibility.