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February 25, 2017 – FHA mortgage loans are available for much more than just suburban homes or condominiums. FHA loans can also be used to purchase mobile homes, manufactured homes and/or modular homes. Manufactured homes are often sold and transported in sections to be assembled on-site.
You will not be able to pay $50,000 for a double wide and get the same fixtures, materials, and construction aspects as a $150,000.00 home.. Interest rates on manufactured home loans that are not tied to land are typically several percentage points higher than typical mortgage loans.
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Use a cosigner for your doublewide financing, if you have poor credit and know someone with good credit that will sign the loan for you. With a cosigner, you will only need the standard 5 percent down payment if the cosigner will be living with you in the doublewide. Otherwise, you will still need the 20 percent down payment.
23 years and 32 days for a double-wide manufactured home; 25 years and 32 days for a double-wide manufactured home and lot; 15 years and 32 days for a lot purchase if you already own the home; Chattel loan/mortgage. A chattel loan is one of the most common ways to finance mobile homes that sit on land-leased properties.
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The maximum terms for manufactured home loans are: 20 years and 32 days for a single-wide unit or a combination single-wide unit and lot; 23 years and 32 days for a double-wide unit only; 25 years and 32 days for a double-wide unit and lot; and 15 years and 32 days for a lot only on which to place a manufactured home you already own.
Financing is challenging for any homeowner, and that’s especially true when it comes to mobile homes and some manufactured homes. These loans aren’t as plentiful as standard home loans, but they are available from several sources and government-backed loan programs can make it easier to qualify and keep costs low.
FLORIDA MOBILE HOME FINANCING LOANS. JCF Lending Group offers Florida mobile home financing loans for used and/or pre-owned manufactured & mobile homes. We are a home only Florida lender, providing manufactured & mobile home financing loans for homes not attached to real property by way of deed or title.
FHA home loans cover a wide range of needs–they aren't simply for the traditional home in the suburbs; there are FHA insured loans for condos and also FHA.