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What is your question? Since you have tagged this under HELB loan, we assume that your question is that you are over 20 years and you don't have an ID and KRA pin but you want to apply for HELB loan. Simple answer to this is that irrespective of your age, you cannot apply for HELB loan without a national ID.
You must have KRA pin inorder to apply for HELB loan. Getting KRA pin is free, quick and simple. Just go to KRA portal and apply for KRA pin online: https://itax.kra.go.ke/KRA-Portal/
If you used USSD Code *642# for subsequent helb loan application and you have forgotten your pin, then you can click forgot pin option and enter your details to reset the pin.
Yes, your parents can be guarantors in HELB loan application. Even your sister or brother can be your a guarantor. There is not restriction as to who should be your guarantor.
Anyone can become your guarantor. It does not matter who they are. Whether employed by the government, employed by the private sector or self-employed.