As Josh said you can get a USDA Rural Development Loan after 12 months in a Chapter 13 with proof of on-time payments. What happened with the FHA Loan? If there is any sort of Forclosure on your record this could affect that time frame.
Feel free to visit USDA"s website for more info and a list of approved lenders in your area, or mine below:
Shasta you may want to double check with a CPA to see if you would qualify for the stimulus. In Ohio unless the Mobile home is permantly attached to the land it is considered a vehicle. You would transfer title through the BVM just like a car.They can be outrageously hard to loans on and expect a high interest rate depending on the age of the trailer.... more
HUD.gov is for the whole nation. Since you are in Ohio, I would suggest http://sales.clfres.com/SelectCities.aspx?State=OH&x=6&y=7
You click the cities that interest you and the list is on your screen. The HUD list is updated
each Friday at 4:00pm ET. The first twen days are for OWNER OCCUPANT buyers and after that investors can buy them, so you want to move fast if you see something you like. You'll need a Realtor to submit a bid for you. I hope that helps!... more