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breehope58

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i need to figure out if I could get a mortgage for 70,000 with monthly payments of no more than 600
My credit score is 585 my boyfriend's is 659 and we make about 40,000 annually. We need to figure out if we could afford a home and land mortgage for a manufactured home with a low down payment

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First- With those score it is unlikely you will qualify for any mortgage, you will need to talk to a mortgage broker to know for sure, sometimes they can help to point to certain things you can clear up to help.  Be sure to work with a reputable broker.

Second- We have no idea of the property taxes and insurance for the area you would be looking. These two things will HAVE to be included in your monthly payments as any loan that has less than 20% down will REQUIRE an escrow account.

To the upper left of the screen you will see a home affordabilty calculator. You can play with that to give some ideas of what you can afford with what other debt you have.

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