Manufactured home
A home built in a factory to federal HUD standards, then moved to its site. Financing options depend on whether the home sits on a permanent foundation and whether you own the land.
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Free to set up. No credit card.Part 1 of 4
Why a seller cares
Whether a manufactured home sells like a house or like a vehicle depends on the foundation and the land. On a permanent foundation with the title retired, it finances like a house; on blocks or rented land, most lenders decline it.
Part 2 of 4
A simple example
Your 2004 manufactured home sits on a permanent foundation on land you own, and the title was retired years ago. It appraises and finances like a site-built home.
| The situation | How it sells |
|---|---|
| Permanent foundation, land owned, title retired | Conventional and FHA financing; a normal sale |
| Permanent foundation, title never retired | Retire it first, or the lender cannot treat it as real estate |
| On blocks in a park, land rented | A personal-property sale, often for cash |
The foundation and the paperwork decide whether it is real estate.
Part 3 of 4
What people get wrong
That manufactured means unfinanceable. With the right foundation and the title retired, most lenders treat it as a house.
Part 4 of 4 · where to read next
Where it appears in the sale
What a definition is, and what it isn't
Keighbor is a software company, not a law firm, brokerage, or tax adviser. This is general information, not legal, tax, financial, or real estate advice about your sale. Your situation may differ. Before acting on a contract, disclosure, title, tax, or pricing question, ask an appropriately licensed professional in your state.
Written and researched by Keighbor Research · drawn from the reference glossary · how we research and check what we publish
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