If buying used, verify the red HUD tag on the exterior and the data plate (usually in a kitchen cabinet or closet). These prove the home meets federal safety standards; without them, financing is nearly impossible.
Decide between FHA loans (often easier to get), VA loans (for veterans), or chattel loans (if you are only buying the home and not the land). buying a mobile home checklist
Aim for at least 580 to 620 to secure standard financing. If buying used, verify the red HUD tag