I am not sure about the credit score concerns but I just closed on a construction loan that purchased the land and combined the cost of the house also. The water and power cost were also included in the loan. There are a few programs out there but you really have to shop around. Are you planning on building a home on the land? They also included the excavation costs and city and building permit costs on the same loan. It is an interest only loan for one year and then we have to convert to permanent financing before the year is up. I hope all works out for you. usda rural has a good program and fha also.
Oops i think i read your post wrong. Are you wanting to move your mobile home on some land? If thats the case I am not really sure. I know my experience with mobile homes is pretty limited.