Preferably in Hudson County, but open to Essex, Union, Passaic, or Bergen Counties

@Kasey GourleyIf the seller agrees to the carryback, I suggest that you contact a credit union or small local bank - it's been my experience that the smaller the bank, the more flexible they are.

Can anyone recommend a bank or credit union in this area that would have more favorable financing on a manufactured house?

Just enough to rule out a lot of people working at the big banks, credit unions, and call centers.

Live there for a year as "required"....then apply for a Navy federal Credit union Loan.....It is also zero down, no PMI for veterans and buy an SFR....keep the VA loan in place....move out, yes, I know...uprooting the family again....but you were in the military sir like I was.....uprooting the family was par for the course....this is no different except now instead of doing it for your country you are doing it for your future....Literally 2 years from now you can have 3 properties....then the real fun starts when you begin taking out helocs or doing refi's on multiple properties so you can buy in the midwest where you don't get appreciation but you do get cashflow......how do i know this? 

We are seeing bank/credit unions at 20 at least and 25 on a case by case basis.  

Call around to local banks and credit unions (especially, the CUs).

Going to make some calls got a list of all 1000 credit unions out there and may need to make some calls out there.

Always have a list of lenders (banks/credit union / commerical lender) in your lists. 

Talk to your local banks and credit unions.