They can get one because it has a title and you can take it back like a car. This is why rednecks live in "doubly wides." They don't pay bills so they have a bad credit score. So they CHOOSE to make payments and are essentially "renting" the trailer. They were NOT ripped off. They don't deserve a better deal. The company has to make a certain spread to be worth the risk.Vanderbilt Mortgage Finance Company for Clayton Homes is ripping people OFF,I love to know how someone with a bad credit score of 520 can get on new home.I know a young lady who just got a new from them the home cost $52,000 she financed it with VANDERBILT she will be paying back $250,000 .So watch what you sign with them it's a RIPOFF
Don't like it; Don't buy it.
( if you want to whine, then seek entitlements, vote Obama, be lazy, and accomplish nothing in life while you blame someone or something else for your woes, and wait for the government using taxes off hard working folks who WORKs to support you)