A report released by the U. When the manufactured home is secured to permanent foundation, on leased or owned land, it can be titled as real property and financed with a manufactured home loan with land. However, obtaining a conventional mortgage to buy a manufactured home is typically more difficult than getting a chattel loan. According to CFED, there are three main reasons p.
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Though a manufactured home permanently affixed to land is just like a site-built construction, which cannot be moved, some lenders wrongly assume that a manufactured home placed on permanent foundation can be moved to another location after the installation. An important but often overlooked aspect is that the HUD Code has changed significantly over the years. Today, all manufactured homes must be built to strict HUD standards , which are comparable to those of site-built construction. Get more info on Early Payoff Options.
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