Ok, here is what I want to know! I really would like to get a loan on some property that I could actually own. I would like to get a lender that will not lower my credit just because they pulled my credit report. I also would like some advice on which lenders would be the best candidate for my situation. I live in Sierra Vista, Arizona which is a small to medium sized town/city of about 50,000 people. It has multiple small satellite communities but is far away from a metropolis. I feel I have a very stable job. My mother is my room mate and she also has a job that pays about the same as mine. Our combined NET income is already over $2,000 a month. I am looking for land with a manufactured home or trailer home. If neccessary, I will buy the manufactured home separately and attach it to the land. Anyhow like I said I am looking for lenders that can help us out and I don't want to make the mistake of having my credit lowered just because someone 'pulled' my credit. Anyone who can help let me know! Peter.