Answer: -Try your bank or maybe Wells Fargo--I think they are big on giving people first-time mortgages lately. Their website has a section on "moving beyond credit challenges." You could give it a try anyway. -There are a number of first time home buyer programs out there. Combine that with down payment money, and see what needs to be done to make it happen =0p. -Fix up your credit first by paying the bills you have on time. Once you have a history of paying bills on time, you can look for loans to get a mobile home.No bank will touch you if you are unreliable. -Have you tried www.mhloan.com ? Don't bother with Wells Fargo, they wont even think about a mobile home mortgage. I own a mobile home (in a park-rented land) and have poor credit and I got a mortgage thru Vanderbilt Mortgage and Finance. www.vmf.com They specialize in mobile home mortgages.