The higher your credit score, the easier it will be to qualify for a mobile home loan with competitive interest rates.“FHA will finance with a 500 to 589 credit score and 10 percent down,” Sexton said. “Credit scores with 580 or above will only be required to have a deposit of 3.5 percent. The minimum credit score with Freddie Mac or Fannie Mae is 620. Various chattel loan providers will require a credit score of as little as 575 credit score or as high as a 660.”