Most lenders do not want to process small loans because it cost them just as much do a small loan as it does a larger loan. Depending on how bad your credit actually is also depends on the amount of risk a bank is willing to take and how much they will charge you for your loan. You should still speak with a lender/broker and see if you can find someone that deals with "hard money". This is when an investor is willing to charge you more interest for a riskier loan that you may not be able to finance elsewhere. Another option would be to see if a family member will bank roll the home and you pay them the mortgage.