Who’s a Good Fit
Buyers purchasing a manufactured home on owned land, or in a park that a lender will accept, who can meet credit/down-payment rules for that program. Refinancers in the same boat. People who already know the VIN/HUD labels and how the home is titled — or who are willing to let us find out before we pretend it is a stick-built conventional file.
Modular homes built to local code and set as real property are often closer to site-built conventional — talk to me; do not assume this page’s overlays.
What lenders look at
HUD certification labels / data plate. Foundation and whether it is permanently affixed. Title: real property (deeded land) vs chattel/personal property. Park leases, age restrictions, and whether the community is acceptable to that investor. Appraisal type that fits manufactured.
FHA, VA, USDA, and conventional each have manufactured rules. I will not print an age cutoff or a park list that will be stale.
Related
Land / lot only → short blurb on more programs.
Renovation on a site-built home → renovation.
First-time / DPA → first-time buyer.
What I need from you
Apply, plus address, year, HUD labels if you have them, and whether you own the land or lease a pad. You don’t have to already know if it is chattel or real property — we will sort that. Talk to me first if you want a second set of eyes before you put money down on a park home.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.