25000 mobile home load needed. I have a 644 score but only 1 year of credit history. Can I get a loan?

I also have an $85 delinquent phone bill that appears on there twice as 2 different accounts. Should probably clean that up. Assuming I have what is the realistic outlook for a loan? Do I need to wait longer? Also my one year credit history consists of a secured card for a year - all good and a standard credit card for a couple months - all good. Pretty weak huh?