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Financing your manufactured home. Is it hard to get a mortgage for a mobile or manufactured home? No, but it is different. Loans for manufactured homes come from Fannie Mae and Freddie Mac, two.

homes located on leasehold estates, unless located in a Fannie Mae approved condo project. Manufactured Housing Standards The mortgage loan must be secured by both the manufactured home and the land on which it is situated, and both the manufactured home and the land must be legally classified as real property under applicable state law.

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Mobile Home Loan Calculator. Try different interest rates and term lengths to find the right monthly payment for you. To use the Mobile Home Loan Calculator below, just enter the appropriate values into the fields below (or use the default values provided), and click the Calculate button.

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Financing an older mobile homes begins by determining if the mobile home is considered real or personal property. If the mobile home has a transferable title, like a car, it is treated as personal property for financing purposes.

FHA modular and manufactured home loans represent a popular option for home buyers who currently have the ability to repay a mortgage, but may have had some credit challenges in the past. fha loan products also carry lower down payment requirements.