I need to by house but have bad credit

My name is Stephanie Austin  me and my family moved to New Mexico 2 years ago from New York I have two kids 15 year old and a 7 year old we live in a 2 bedroom apartment there is a double wide that I want so bad  for 22,500 it is a 3 bedroom double wide so I talk to them and asked them if I could pay them 5000 every year for the next four years to pay them off and add on 400 dollars monthly until the house was paid off that’s 19,200 extra that they would get plus the 22,500  that a extra 19,200 in four years who would not want to do this but because I have bad credit they won’t work with me  please anyone please help me I just want to own my own home for my family and I I have struggled all of my life and I just want a place to call home in are new life in New Mexico
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