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User Stats

15
Posts
3
Votes
Jeremy Bernard
Pro Member
  • New to Real Estate
  • SW Washington
3
Votes |
15
Posts

twice moved manufacture home financing options

Jeremy Bernard
Pro Member
  • New to Real Estate
  • SW Washington
Posted

I have been listening to Brandon Turner's books on my drive to and from work and rental properties interest me. I came across what I think seems like a good deal on a 3 bdrm 2 bath manufactured home on a .22 acre plot. My question is from what the interwebs has told me thus far is twice moved manufacture homes are difficult to find financing for. I do have the option of a VA loan, however I don't want this to be my primary residence. The specific location is Longview, Wa.

  • Jeremy Bernard
  • User Stats

    2,434
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    Michael Plante
    • Deland, FL
    1,872
    Votes |
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    Michael Plante
    • Deland, FL
    Replied
    Quote from @Jeremy Bernard:

    I have been listening to Brandon Turner's books on my drive to and from work and rental properties interest me. I came across what I think seems like a good deal on a 3 bdrm 2 bath manufactured home on a .22 acre plot. My question is from what the interwebs has told me thus far is twice moved manufacture homes are difficult to find financing for. I do have the option of a VA loan, however I don't want this to be my primary residence. The specific location is Longview, Wa.


     Are you saying it will be used as a rental? 

    I don’t know of any companies who loan on rental mobile homes.  So I am interested to know that 


    as for twice moved homes which are primary residence and possibly vacation home mortgage companies. 

    • Cascade,
    • 21st
    • Center state
    • Vanderbilt
    • VLM

    User Stats

    15
    Posts
    3
    Votes
    Jeremy Bernard
    Pro Member
    • New to Real Estate
    • SW Washington
    3
    Votes |
    15
    Posts
    Jeremy Bernard
    Pro Member
    • New to Real Estate
    • SW Washington
    Replied
    Quote from @Michael Plante:
    Quote from @Jeremy Bernard:

    I have been listening to Brandon Turner's books on my drive to and from work and rental properties interest me. I came across what I think seems like a good deal on a 3 bdrm 2 bath manufactured home on a .22 acre plot. My question is from what the interwebs has told me thus far is twice moved manufacture homes are difficult to find financing for. I do have the option of a VA loan, however I don't want this to be my primary residence. The specific location is Longview, Wa.


     Are you saying it will be used as a rental? 

    I don’t know of any companies who loan on rental mobile homes.  So I am interested to know that 


    as for twice moved homes which are primary residence and possibly vacation home mortgage companies. 

    • Cascade,
    • 21st
    • Center state
    • Vanderbilt
    • VLM

     Well, What I would like to do is use it as a rental property. I think it has better potential as a rental unit than my current residence. I do appreciate the input and tomorrow I think I will make some phone calls to lenders.

  • Jeremy Bernard
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    User Stats

    2,434
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    1,872
    Votes
    Michael Plante
    • Deland, FL
    1,872
    Votes |
    2,434
    Posts
    Michael Plante
    • Deland, FL
    Replied
    Quote from @Jeremy Bernard:
    Quote from @Michael Plante:
    Quote from @Jeremy Bernard:

    I have been listening to Brandon Turner's books on my drive to and from work and rental properties interest me. I came across what I think seems like a good deal on a 3 bdrm 2 bath manufactured home on a .22 acre plot. My question is from what the interwebs has told me thus far is twice moved manufacture homes are difficult to find financing for. I do have the option of a VA loan, however I don't want this to be my primary residence. The specific location is Longview, Wa.


     Are you saying it will be used as a rental? 

    I don’t know of any companies who loan on rental mobile homes.  So I am interested to know that 


    as for twice moved homes which are primary residence and possibly vacation home mortgage companies. 

    • Cascade,
    • 21st
    • Center state
    • Vanderbilt
    • VLM

     Well, What I would like to do is use it as a rental property. I think it has better potential as a rental unit than my current residence. I do appreciate the input and tomorrow I think I will make some phone calls to lenders.


     PLEASE if you find A lender who will do a loan on a twice moved rental mobile home post her name here

    or please send me a direct message

    I have always had to pay cash for mine and have a lot of equity I would love to get mortgages on thank you

    User Stats

    6
    Posts
    2
    Votes
    Replied

    I would like information on this issues as well, was told the mobile homes couldn't have been moved since purchased and put in place, must be a double wide.  I'm sure no bank would loan on a used mobile home not used as the owner's residence, though after you get a loan you could probably rent it if you lived in it for a while first.  

    User Stats

    15
    Posts
    3
    Votes
    Jeremy Bernard
    Pro Member
    • New to Real Estate
    • SW Washington
    3
    Votes |
    15
    Posts
    Jeremy Bernard
    Pro Member
    • New to Real Estate
    • SW Washington
    Replied

    I called a local credit union(Fibre Federal CU) the representative that I talked to said that as long as the home was manufactured before 1976 and passed all inspections they would loan up to 95% of the LTV at somewhere between 6 and 7.5% up to 20 years.

  • Jeremy Bernard
  • User Stats

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    Michael Plante
    • Deland, FL
    1,872
    Votes |
    2,434
    Posts
    Michael Plante
    • Deland, FL
    Replied
    Quote from @Jeremy Bernard:

    I called a local credit union(Fibre Federal CU) the representative that I talked to said that as long as the home was manufactured before 1976 and passed all inspections they would loan up to 95% of the LTV at somewhere between 6 and 7.5% up to 20 years.


     If you did NOT live there?

    User Stats

    15
    Posts
    3
    Votes
    Jeremy Bernard
    Pro Member
    • New to Real Estate
    • SW Washington
    3
    Votes |
    15
    Posts
    Jeremy Bernard
    Pro Member
    • New to Real Estate
    • SW Washington
    Replied
    Quote from @Michael Plante:
    Quote from @Jeremy Bernard:

    I called a local credit union(Fibre Federal CU) the representative that I talked to said that as long as the home was manufactured before 1976 and passed all inspections they would loan up to 95% of the LTV at somewhere between 6 and 7.5% up to 20 years.


     If you did NOT live there?

    I explained my tentative plan, she said it was doable. Unfortunately I couldnt make the numbers work.
  • Jeremy Bernard