I have provided you with a quote.Some lenders do not participate in 203k programs. However the reason you may not have been receiving quotes is because you have filled for bankruptcy. My quote is valid as long as it has been 3 years since filling bankruptcy and contingent on the appraisal of your home currently. Please contact me to further discuss the 203k program.
It is hard to find a lender that is willing to give a Home Equity loan right now.
Unless the manufactured home is currently under a Rural Development loan it is not eligible for Rural Development. It may be eligible for FHA depending on the investor.