The Muskogee Phoenix says borrowers in Muskogee County, Oklahoma, may have a harder time finding financing for a manufactured home than in nearby Wagoner County where the annual median income is higher by $20,000.  Chris Condley of First National Bank in Muskogee says for every ten lenders available for traditional-built homes, there may be only one or two for manufactured housing.  Fixed-rate 30-year traditional mortgages are rare, but the federal government has several opportunities for buying manufactured housing, including the Veterans Administration (VA), which can offer 100 percent financing.  Kim Humble, of The Home Store, says banks in the past may have had loans go bad because of the lack of quality construction.  But times have changed.  Today’s manufactured homes use the same lumber, cabinetry, and Sheetrock as site-built homes.