best of luck to you..
Depending on where you're looking to buy and how much money you make, you may want to look at a USDA Direct loan. It's a government backed loan that doesn't require a down payment or monthly mortgage insurance but it does have income limits and the home has to be located in an eligible area.
Nuckolls County is eligible and the maximum annual household income for up to 4 people is $44,950.00.
Here is some contact information if you think you're under the income limit.
RD AREA OFFICE
RD LINCOLN AREA OFFICE
(402) 423-9683 ext 4
(402) 423-7614 Fax
RD STATE OFFICE
(402) 437-5408 Fax
If you're looking at a mobile or manufactured homes, there are some specialized lenders who make smaller loans on them. The best way to find them in your area is--if the home is in a mobile/manufactured home park--check with the park manager about who's lending on them.
If it's a regular stick-built home, then a personal loan is definitely one way to go. You just go into a bank (start with the one where you have an account--you'll be treated much better) and explain that you want a personal loan. Since it won't be secured by real estate, your interest rate will be higher and the term shorter. On the other hand, you won't have to go through the appraisal process. (Though you should make sure that the property is worth what you're paying for it.)
One other option: If you haven't decided on a particular home yet, look for one with owner financing. In that case, the owner acts as the mortgage company. You'd be paying him directly every month. And the rate and terms would be negotiable. Probably a bit higher than a regular mortgage.
And ask your Realtor; he/she should be able to assist you.
Hope that helps.