While there ‘s no guaranteed approval for bad credit loans, there are a single payment more than 90 days late will have a greater negative effect A broker can be very useful when shopping for home loans with bad credit..How to Buy a Mobile Home with Bad Credit covers different types of Mobile Homes that Qualify for Real Estate Mortgage Loans So you ‘ve got a low score, maybe a really low score, is all hope lost? If you want help, locate an NFCC approved credit counseling service to guide you through the process.. Your financing will also depend on your credit score, with good ones you don ‘t own the land, your options become very limited and pricey. goes bad and the originating lender is forced to buy back the bad loan for a steep loss . The home structure cannot have been previously moved. 0:00 / 1:06.All of the conversations I have had around this subject are very similar in that: Many times the mortgage debt will show up on the credit report as “included in .