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Loans are simply harder to get these days if you live in a manufactured home and harder still if that home is a singlewide.In many ways the manufactured home owner is treated as a second class citizen by the lending industry, probably because some of the misconceptions about the quality of construction and the negative perceptions created in the aftermath of major disasters (like a tornado or earthquake).And then there is the fact that many investors still consider manufactured homes “trailers”, viewing the residences as temporary structures which can be hauled off in the middle of the night, thus making the borrower and the home a flight risk.The singlewide home obviously provides the best comparison to the trailers of yesteryear so is often the greatest target of derision by lenders.Visit us at erictric.comAdding to the confusion is the fact that manufactured homes can either be titled as personal property or as real property.
If it is titled as personal property, it is in essence in the same classification as a recreational vehicle and most lenders don’t feel they have an adequate security interest.However, not to despair.
There is some hope on the horizon if your manufactured home (singlewide, doublewide, triplewide and bigger) meets the following criteria:The home must be built on June 15, 1976 or newer.The home must be greater than 400 square feet.The home must be titled as real property which means the home and land must be owned by the same person.
If you own the land and the home is still considered personal property, the title must be converted.The home cannot be in a 100 year frequency flood areaThe home must be on a permanent foundation that meets the HUD Permanent Foundaiton Guide to Manufactured Homes and a professional engineer must testify to this fact with an engineer’s certification letter.If the foundation does not meet the requirements, then a foundation repair must be done prior to the loan.The home must be in its original location and cannot have been moved from any other location other than the factory or the dealer’s lot.Customer service and economic prices enhance student travel.One of the last things you think of when planning for student travel abroad is cell phone service.
Many parents come to find out that their child’s cell phone doesn’t possess the technology to access the cell phone providers in foreign countries.
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