Why Does He?

My husband and I want to prepare to apply for a home loan within the next 5 years. Currently we rent, my husband lived there 3 years before we got married and we have lived there married for 2 years. We’ve never been late on rent or bills. We don’t like debt and thus don’t carry any. Any large ticket items (i.e. laptop computer ,500 and mattress ,500) we pay in cash. I only have three department store credit cards (Banana Republic, Ann Taylor & VS) as far as credit goes. I pay any balance (I don’t use them much) when due or before due date. The only financing my husband and I have done is paid off a 2002 truck in 2005 (after selling). What should we do in order to build up credit (or whatever is needed) in order to get a home loan in about 5 years or less?

Thanks in advance. We are planning on meeting with a realtor or loan officer to discuss in detail what they require.
***Additional note***
We currently are investing and understand that renting is dead money, but in our circumstance (I graduate the end of this semester and my husband will be applying for a new job *somewhere*) we don’t have a better choice. We don’t want to get locked into a home since real estate in our area is not a hot ticket item. Also, we’re not members of a credit union.
Also, we are very computer savvy and never put personal information on the Internet. My husband is a CCNA and studying network security. He understands how easy it is to get info like that.