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Rainmaker
812,023
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

I would check with mobile home dealers.

Mar 29, 2016 02:22 AM
Rainer
446,823
DEANNA C. SMITH CERTIFIED MOBILE NOTARY
Certified Mobile Notary Signing Agent - Smith Mountain Lake, VA
Highest Ranked Certified Mobile Notary in Virginia

Hello Ginger,

Check out my blog posting from yesterday (03/28) titled:

I Do Doublewide Mortgages and Refinances in Virginia !

American National Bank and Trust is also in North Carolina and we can do doublewides there as well.   If you have a deal now, I will help you get it rolling right away.   I'll be down there this weekend.   If we need to talk face to face, call me and we'll set a time to get together in person.

Let me know if I can ever help YOU or your clients.

Mar 29, 2016 06:33 AM
Rainmaker
4,799,006
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

A friend with a lot of cash!  

Mar 29, 2016 04:35 AM
Rainmaker
1,524,422
Sybil Campbell
Fernandina Beach, FL
Referral Agent Amelia Island Florida

I posted a comment on your blog. I wish I could remember who I used for mobile home financing back in the day!

Mar 29, 2016 02:23 AM
Rainmaker
6,152,137
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

DEANNA EARLY ---(NMLS #268590)---  is a good resource for you.

Mar 29, 2016 10:13 PM
Rainmaker
634,222
Kathleen Luiten
Resort and Second-Home Specialist - Princeville, HI
Kauai Luxury Ocean Home Sales

See DEANNA EARLY ---(NMLS #268590)--- 's answer. She is a good source!

Mar 29, 2016 06:52 PM
Rainer
103,024
Scott Lawson
America's Home loans - Santa Rosa, Petaluma Mortgage Broker - Santa Rosa, CA
Mortgage Broker FHA, VA, refinance or purchase

Hmmm...This question requires two answers:

 

If the mobile/manufactured comes with and is attached to land (i.e. is actual real estate), most lenders/brokers should be able to finance it. Needs to be manufactured 1976 or later.

 

If it's in a park and the land is not owned, but rented (i.e. chattel), you need to work with a local community bank. They will typically require a down payment of 30% or more.

Mar 29, 2016 08:10 AM
Rainer
7,668
Thomas Hall
Movement Mortgage, LLC - Franklin, TN
Loans processed in 7 days-Movement Mortgage

 Ginger-Fifth Third Bank in North Carolina will finance Manufactured Homes-Doublewide on permanent foundation with  both conventional and FHA financing.

Mar 29, 2016 02:59 AM
Rainmaker
514,761
Greg Cremia
Shore Realty of the Outer Banks - Nags Head, NC

A home town bank that carries shelf loans or the owner.

Mar 29, 2016 02:32 AM
Rainmaker
3,713,371
Nina Hollander
Coldwell Banker Realty - Charlotte, NC
Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor

Call a top lender you work with, Ginger, and they'll typically have someone they can refer you to.

Mar 29, 2016 02:22 AM
Ambassador
5,022,525
Bob Crane
Woodland Management Service / Woodland Real Estate, Keller Williams Fox Cities - Stevens Point, WI
Forestland Experts! 715-204-9671

Most dealers will help with this.

Jun 24, 2019 11:55 PM
Rainer
77,119
Sandra Steele
Wise Choice Properties, Sedona/Verde Valley Branch - Cottonwood, AZ
Integrity, Knowledge - 37 Years of Experience!!!

A lender that finances mobile homes.

Mar 30, 2016 03:47 AM
Rainmaker
4,433,127
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

The mobile home park management company may know someone.

Mar 29, 2016 10:47 PM
Rainmaker
2,377,099
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Ginger. In my local area there are a couple of banks that do them and hold the loans in portfolio, after that it is owner financing, especially on older homes.

Mar 29, 2016 06:39 PM
Ambassador
2,999,581
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

BB&T, Well Fargo and eLend have all successfully done manufactured home financing for my clients.  That is when the home is permenatly and properly affixed to land and taxed as real estate.

Mar 29, 2016 01:51 PM
Rainmaker
2,706,962
Lisa Von Domek
Lisa Von Domek Team - Dallas, TX
....Experience Isn't Expensive.... It's Priceless!

Sorry that I can't help with an answer Ginger, have never had this need for a client.

Mar 29, 2016 12:43 PM
Rainmaker
461,112
JoAnn Moore
The Mortgage Market of Delaware - Georgetown, DE
Home Loans in Delaware

 Mortgage brokers normally have a couple of lenders that finance mobile homes. Retail (big banks) are usually limited to stick built homes. 

Mar 29, 2016 12:42 PM
Rainmaker
842,111
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text

Here in the magickal land of AZ, it's not tough to get MH financing via the big banks down to the hometown banks . . . provided they are post HUD (6-16-76 or newer) and a few other things (fee simple,  ground-set and out of floodplain or on raised foundation, code-worthy etc) and our local Wells Fargo will even finance a singlewide for our vets, which blows my mind. I'd bet that if you made half a dozen phone calls, you'd probably find at least one . . .

Mar 29, 2016 12:32 PM
Ambassador
2,216,158
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

I need more specifics. How old is the home? It is tied to the land? RD won't do mobile or manufactured homes. But I have sold them to buyers using FHA and conventional loan programs. 

Mar 29, 2016 09:29 AM
Rainmaker
140,518
Joan Dickie
Keller Williams Premier Realty - La Crosse, WI
Keller Williams Premier Realty

Depends if it is attached to land.  Lenders where these are more common seem to more comfortable with this.

Mar 29, 2016 09:03 AM
Rainmaker
1,118,776
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

We use a local lender who carries that product.

Mar 29, 2016 06:29 AM
Rainmaker
1,231,318
Mary Yonkers
Alan Kells School of Real Estate/Howard Hanna Real Estate - Erie, PA
Erie/PA Real Estate Instructor

A wing & a prayer unless there is mobile home dealer in your area Ginger Harper Even then they are very picky about age & condition.

Many sell for cash in this area.

Mar 29, 2016 06:11 AM
Ambassador
936,801
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

 AFR is one lender that does mobile homes nationwide.  There are several other regional ones, but I don't specifically know of one in NC aside from AFR

Mar 29, 2016 05:45 AM
Rainmaker
1,157,329
FN LN
Toronto, ON

Clayton Homes, a Berkshire Hathaway subsidiary, is in that business.

Mar 29, 2016 04:57 AM
Rainmaker
919,738
Diana Zaccaro
Tropical Beachside brokered by eXp - Cocoa Beach, FL
"The Accidental Blogger" Cocoa Beach, Florida

I don't know of any source for mobile home financing (although not in your state). If you are looking for manufactured home financing, your best bet is to talk with a good mortgage broker/banker. If you can find a magazine about manufactured homes (or mobile, if that is what you meant), their may be ads from lenders in it.

 

Mar 29, 2016 04:15 AM
Rainmaker
1,797,611
Bob "RealMan" Timm
Ward County Notary Services - Minot, ND
Owner of Ward Co. Notary Services, retired Realtor

If the MH is still on the sales lot the USDA is an excellent source.

Mar 29, 2016 04:13 AM
Rainmaker
3,985,753
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

A small hometown bank

Mar 29, 2016 03:15 AM
Ambassador
4,386,428
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Maybe check with agents n your area who have listed and sold mobile homes that were financed

Mar 29, 2016 02:51 AM
Ambassador
2,521,996
Fred Griffin Tallahassee Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

We have a Lender in Tallahassee- but that is not going to help you.  Call your Local Lenders - they should know someone.

Mar 29, 2016 02:40 AM