Any financing that requires a cosigner will be scrutinized much greater than a standard loan. For example, having your mom cosign with you for a Toyota might very well get approved while you would be rapidly rejected for a Motorcycle even though it is less expensive. Same with home loans. A sticks and bricks home is much different than a park model. The stick and brick likely won't depreciate. The stick and brick can't be towed to a different location overnight. The Park Model loan can't be sold to Fanny Mae or Freddy Mac or packaged as part of a mortgage backed security. A Park model is almost assuredly viewed by the lenders as a luxury item, not shelter. If you want to buy a home with your mother as a cosigner (a different discussion you really need to have) a traditional home is going to be your best option as far as obtaining financing is concerned.
