you want Unreal 2004, maybe even Unreal 2008, either one will let you model your own character then import it into the game.

Hey Big ToE,

I really would like to know if you have a thread on here or can help me start one about what are the most mod-able games. I would really like to find a game that I can create a mesh and some textures for and actually see it in action. With little to no progamming. Like a game that you create your mesh put it on a standard skeleton and let the app rig and animate it for you. You know of anything like that or can help me find some people in the community who do?