When my double wide was set up several years ago it was set on concrete block foundation BUT they forgot the fact that there was a wooden porch on half of the front! We didn't think much about it until the pipes froze the first winter. We got foam board and installed it the crawl space just behind the porch. This is still in place and served well. We did later fill in the cracks between the porch floor boards with a caulk and have had no problems since. (We also keep a light under the house trained on the needle valve of the pressure tank for use in extremely frigid weather.) If you have room enough to get in the crawl space and do this (and if $$ allow you to do this to a space of this size) it should solve a lot of your problem. The foam board could be put up temporarily and then used again when you do get around to permanently insulating your home. If this is not an option, could you get a roll of plastic and wrap it around the foundation? This would have to be sealed rather well to keep the winds from tearing at it. Hope this helps. :-) ... View related article.
I was in the same situation several years ago and got a HUD loan for my home. I, too, was divorced and found them very easy to deal with. It did not happen overnight, it took a little time for all the "red tape" and such. I do not know if the current housing market is making it difficult for you but I would go explore the Government loan route and perhaps Countryside. I know Countryside had some trouble in the past but do know a young couple with three children who had less than perfect credit who got a loan through them for about the same amount you are looking for and only the husband worked. The interest rate was very low and the payments less that you are expecting to pay. This route, too, took some time. Don't give up, keep looking but have patience. LOL ... View related article.
