It depends on whether you can prove you’re a trustworthy borrower through other documents. If your credit score and income are low, but you don’t have other debt obligations, and you always file your tax returns on time, you might be eligible for a modular mortgage loan. It also depends on what kind of terms you’re comfortable taking on. For instance, you might be offered a modular mortgage loan despite having a low credit score and/or income if you’re willing to accept a high interest or a sizeable down payment requirement.