A few months ago i finally came across a lender who does financing for mobile and manafactured homes in over 30 states. Prior to this banks simply wouldnt touch these. They are able to obtain financing for a purchase or refinancing their existing property. Not every real property out there is a SFR. There is a big difference between a manufactured home and a mobile home. A mobile home is a factory-built home manafactured prior to June 15, 1976 , constructed on a chassis and wheels, and desgined for permanent or semi attached to land. In the past mobile homes were known a trailers, and mainly were used as a second traveling home. A Manufactured home is a home built in a factory after June 15 , 1976 and must conform to the U.S. government`s Manufactured Home Construction and Safety Standards aka HUD code. These federal standards regulate and determine manafactured home design and construction, strenght and durability, transportability, resisitance to fires , enery effiency and quality. The HUD code also stands sets performance standards for the heating, plumbing . air conditioning , thermal and electrical systems of the home. Actually this is the only federally-regualted national building code. Each home or segment of the home is labeled with a red tag. In effect this is the manafacturers guarntee that the home was built to conform to the HUD code. As we all know we sure as heck dont want to mess with government policies.........................................