Bill has some good points. It is a surprise, though, that the manufacturer is not offering you a deal. What's up with that? Most of them find you a chunk of land, the home and the loan to buy it all with.

Ok then. You'll need a 620 to get a good loan. You can get a loan for less than 620 scores, but it will cause you a lot of stress (only a few lenders will do manufactured homes with less than 620). Did you pay the difference off on the car from 2006? If yes, great. If no. Not great. It needs to be paid off (the balance). If you are slow on your car payments and you just got new credit, it may be an indicator to the lender that you are not ready to buy. Look at it from the banks perspective: Car repo 3 years ago, slow credit on new car, 2 new cards with less than 12 months history. I'd tell you to wait until you have the ability to show on time payments for at least 12 months.

I am a loan officer you never know till a full review is completed on your file. Undetermined where your credit scores came from there are difference on information provided.

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