Can you Finance a Manufactured Home?
A common question I usually get is about manufactured home transactions. The finance is number one thing in these kinds of transactions. If the property structure is not attached legally to the land, lenders will treat it differently, mobile homes are not able to be purchased with conventional financing, and if you're purchasing the "land only" the financial terms available to you are going to be very different. Interest rates are also going to be higher. So, to get the best financing you can, I suggest reaching this extra entity that helps regulate manufactured homes: TDHCA.
Useful links:
TDHCA Website:
https://www.tdhca.state.tx.us/
To search the status of a manufactured home:
https://mhweb.tdhca.state.tx.us/mhweb/main.jsp
Statement of Ownership App
https://www.tdhca.state.tx.us/mh/docs/1037-applysol.pdf
FHAs Manufactured Homes Selling Guide:
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B5-Unique-Eligibility-Underwriting-Considerations/Chapter-B5-2-Manufactured-Housing/1033003291/B5-2-01-Manufactured-Housing-12-04-2018.htm
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