As long as the property meets HUD standards, this is something we'd work with.  Let me know if you need some help, and thanks to the others who recommended me : )

If it is not on  foundation it is personal property

Blog about your success.

Kim Clark - there are few good ones in 'Rain - and Sandy Padula and Norm Padula, JD, GRI NMLS#1483386 has suggested the best one!

Did you check VA website? There is a lot of useful information for your client.

Veterans should understand before applying for a VA loan for a manufactured or modular home that it will be difficult to find a lender willing to do a true $0 down construction loan. VA loans for mobile homes typically carry more weight than their more traditional counterparts since the likelihood of long-term depreciation is higher. Borrowers often will acquire a short-term construction loan from a local lender or builder and then refinance that loan into a VA mortgage once the home is complete. See more: http://www.valoans.com/purchase/manufactured-homes

If no one from AR can help you, find a VA lender there. 

Try Joe Petrowsky or Gregg Smith at Lendsmart Mortgage GreggSmith@Lendsmartmortgage.com based in Sarasota

Joe Petrowsky has a huge referral network and will likely know exactly what you need to do.

Best wishes on your search.

Try Wells Fargo or Guild. Not sure how active they are in FL but they're the two top lenders for resident owned MH loans in Cali. Thanks for the mention John Meussner 

'mobile home' means I can't help. Hard to mortgage everywhere.

John Meussner and Joe Petrowsky are our two resident loan experts.  They can either help you or may know someone who can.  John DL Arendsen is our local mobile home expert and may have some advice.

Ask John Meussner  - he does loans in Florida. If he cannot he may know someone

We can do doublewides here in Delaware with a couple of wholesale lenders. I can ask our acct rep what brokers they have in your area so you can contact them.  

Kim,

Contact Joe Petrowsky , he may be able to help or give you a referral.  He is very savvy.  A

depending on age, foundation and HUD standards... this is difficult. We sometimes can get the back to do an inhouse loans on these... higher interest, shorter time frams and 25% downe.... still it isnt easy...

Hope you were able to locate a lender for this purchase.

I've never represented a client in a mobile home transaction.  Glad to see VA mortgage expert John Meussner provide an answer.  Good luck.  

Not sure if there are many lenders that would do this.

Unless it's on a permanent foundation, they will have a difficult time.

Good luck.

good luck on this one

I don't know.

William Feela nailed this one!

Very difficult to do - sorry can't help. Because of the difficulty I no longer handle MH's unless they are cash purchases

I have never sold a manufactured home so, I can't help you.  Good luck, Kim!

Is the home tied to the land? In my area it's easy to get it tied to the land. It's just more paperwork. Most lenders will lend on this type of home. Check with your favorite lender if you haven't already. Due to the year built and the fact that it's a doublewide, this shouldn't hamper getting a loan unless the property is in fair or poor condition. 

John Meussner can probably help.

  My thoughts:

    The mobile home needs to be considered Real Property.  

     Florida Statutes 320.015 can give you some guidance.  See a Mortgage Lender, Real Estate Attorney or Title Company for specifics.

There should be many options for this buyer.

I sell a fair share of mobiles and manufactured homes and the key is they have to meet HUD standards for age, condition, anchored and some on foundations. You will have to check the VA specifications 

Contact Joe Petrowsky - I'd be willing to bet he can help you out or direct you do someone who can.  He is a referral magnet. 

Kim, 

American Mortgage is about the only lender in our area that we know of that will finance a purchase of a manufactured home.  In Indiana mobile/manufactured homes are viewed as personal property and the title is granted through our Dept. of Motor Vehicles.  You might check what the law is in Florida, as a lender would want the title retired in our state so it is converted to real estate when attached to a foundation.  Good Luck.

An online search did show that American Mortgage is in many parts of Florida, although I do not know if it is the same company.

Give Joe Petrowsky a call, he will give you sound advice.

maybe a hard money lender....