Posted by 1948CaseVAI on January 22, 2016 at 07:08:12 from (68.102.35.209):
In Reply to: Mobile home purchase posted by gary from muleshoe on January 21, 2016 at 17:15:49:
I am not an expert on mobile homes but we explored a modular home a couple of years ago and learned a lot. A modular home is not a mobile home - a mobile home keeps the axles and is made to be able to move more than once. A modular sits on a permanent (usually concrete) real foundation with or without basement, and is not made to be movable again without special work, including a crane.
A mobile home is not and cannot be part of "real estate" and you cannot (and never could AFAIK) get a real estate mortgage on a mobile home. A modular home can be part of the real estate and is eligible for a mortgage along with the land, subject to all the other mortgage rules.
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