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If you are purchasing a mobile home separate from land, then you are eligible for a personal property loan. The home itself is used as collateral for the loan. This is popular when a manufactured home is placed in a land-lease community.
If you are purchasing a mobile home and land together as a single real estate transaction, then a real estate mortgage loan is right for you. In some cases, you may finance the manufactured home and land with one of the participating lenders who offers traditional mortgage loans secured by your manufactured home.