If you don't have good credit you can use a CO- signer. Someone with good credit who will sign on a loan with you. You should speak directly with a lender that works with mobile home loans. You also may need the CO-signer to sign the park lease for the lot rent. If you need the name and number of a bank who can help you with a loan, email me directly at Carla@ beachteam.com and I will give you the person we suggest.