Your credit score needs to be much higher to purchase a home. The price of the property is not the issue, but the credit score is. There are 4 different typse of manufactured homes, and to find a lending institution to finance a used manufactured home is very difficult. The modular is the easiest of the manufactured homes, but not with a low credit score. Contact a local mortgage officer and he/she will assist you with guidance on how to improve your score. It may take a year, but you didn't get it down to that score overnight. Good luck. Martha Dodd-Slippy, GRI, ABR, SRES, SRS, SFR, NC and VA Associate Broker, Wilkie Real Estate, Inc. Cell: 434-604-4444.