this post was submitted on 14 Oct 2024
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That's actually surprising. When I was house shopping, one of the ones on my short list was, apparently, a manufactured home. Couldn't tell from inside or outside, but it was. Only found out when the bank said they wouldn't finance it.
I guess it varies by lender, but neither of the two banks I was dealing with for my mortgage would finance mobile or manufactured homes.
There are a fair number which won't; "mobile" homes are not designed to the same durability standard that a permanent home is. That's reasonable for an RV that actually needs to move from location to location, but means you're taking significant added risk for one which sits forever in one place.