Sara, do you have much debt? Generally speaking a house should cost no more than your income x3. If you make $20k you should not pay over $60k to be safe. If you have a lot of debt that amount can drop considerably. What is your fico score, do you know? If it is below 700 you may find financing harder to get. Below 600 would be almost impossible. The higher your fico score the lower your interest rate becomes.
You can get a free credit report once yearly. But there is only one government site that is free. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm (leads to)
House prices are likely to drop more over the next 3 years. You may qualify for the $8k buyers credit until april 29 2010.. Fannie mae mortgages are available with 3.5% down. Maybe the $8k credit would help with that. Talk to the irs before making a commitment based on that credit. If you feel you must buy now and not rent any longer consider a double wide if you can not afford more. Be aware that trailers are harder to fix than houses and can be more expensive when repairing. Plus mobile homes depreciate over time in a good market.