Buying or Refinancing a Manufactured Home?

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Manufactured homes are constructed in a manufacturing facility according to HUD guidelines. They are titled like a vehicle until placed on permanent foundation, at which point the title is surrendered to the State and the unit is converted to Real Estate. A manufactured homes has a steel beam going through the center of the unit where wheels, axles & hitch were attached (the hitch, wheels, and axles must be removed for mortgage financing). Can be financed under the following conditions:
Constructed after 1978
Taxed as real estate by Auditor (MH as real estate)
Interior HUD label – confirms year, make, model, manufacturer and serial number of unit.
Exterior HUD labels – provide HUD serial numbers
Structural Certification – licensed structural engineer to confirm unit attached to permanent foundation according to code
Must not have been previously installed or occupied at any other site or location, except from the manufacturer or dealer’s lot as a new unit

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"Noel and Darcy were so responsive and helpful. Both kind, clear communicators, and motivated to make the process of home buying as low stress as possible. My real estate agent was so impressed and said they were some of the best loan officers she had ever worked with!"

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