Single wide manufatured / mobile home loans are getting tougher and tougher to get done with lenders refusing to expose themselve's to the excessive risk in these loans.  It is not impossible though!

A larger down payment and a better credit score can work nicely to get a loan on this type of property.

The FHA does not have a problem with single wides, but a bank has to fund these FHA insured loans and they are not interested.  Only two things can explain such a phenomenon; #1 The foreclosure rate must be very poor vesus other property types.  #2 The banks feel more secure keeping cash in their vaults versus on the street making money.

It is too bad to, because in Florida there must be tens of thousands of single wides.  I will take the lead in this catagory and work to lend to any and all potential singe wide borrowers.  The rules are changing fast and I'm on top of it.  Call me if I can help in Florida or Georgia.