I'd go through a small, local bank in the area where the home is located. I also wouldn't be so locked into the type of loan right now. You aren't likely to get low interest rate or low down-payment on a single-wide purchase right now, and be sure to ask for a Good Faith Estimate of the loan fees, so you can see the lending fees you'll be charged in order to make this loan. It might not be attractive. In fact, it might be really ugly with high fees.

If the bank won't loan the money, I'd seek out a mortgage broker who may have access to private investors who can make unique arrangements that bank structured loans can't or won't offer.

Good luck!
Ronda

Kenneth,
FHA only does double wide manufactured homes and they have to be attached properly to their standards.
You can only get a loan on a single wide when you purchase it from the dealer ship. Few if any local banks will handle them. As Jefferson said Seller financing is the only way to go.
I am sorry that we can not give you a good or easy answer.
Margaret

You will have to have a minimum down of 20% if you can even get it financed through FHA. I had a double wide over a 9' high ceiling basement over a year ago that sold through FHA, but the buyer had to put down minimum of 20%. This type of property is considered "personal" like your car, it depreciates and loses value, rather than gaining any value, thats why most traditional banks/mortgage companies are not willing to take a risk on financing them.

I agree with Jefferson, you might consider if the owner will sell via land contract.

Well ... the seller could finance you if he chose to ... and gets it back if you don't make your payments ...