Kim Clark, Realtor serving N. Pinellas, Pasco & Hillsborough (Coldwell Banker)

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John Meussner
Mortgages in AZ, CA, CO, DE, FL, GA, IN, MD, MN, MT, NC, NJ, NV, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI - Fair Oaks, CA
#MortgageMadeEasy Fair Oaks, CA 484-680-4852

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 : )

Mar 03, 2017 01:55 PM
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William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

If it is not on  foundation it is personal property

Mar 03, 2017 07:59 PM
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Roy Kelley
Retired - Gaithersburg, MD

Blog about your success.

Mar 04, 2017 01:24 PM
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Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

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

Mar 03, 2017 11:36 PM
Rainmaker
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Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • GRI • HAFA • PSC Calabasas CA

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. 

Mar 03, 2017 05:11 PM
Rainmaker
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Sandy Padula & Norm Padula, JD, GRI
HomeSmart Realty West & Florida Realty Investments - , CA
Presence, Persistence & Perseverance

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

Mar 03, 2017 01:51 PM
Rainmaker
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Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

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

Mar 03, 2017 12:45 PM
Rainmaker
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FN LN
Toronto, ON

Best wishes on your search.

Mar 03, 2017 12:26 PM
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John DL Arendsen
CREST "BACKYARD' HOMES, ON THE LEVEL General & Manufactured Home Contractor, TAG Real Estate Sales & Investments - Leucadia, CA
Crest Backyard Homes "ADU" dealer & RE Developer

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 

Mar 03, 2017 10:59 AM
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Lyn Sims
Schaumburg, IL
Real Estate Broker Retired

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

Mar 03, 2017 09:15 AM
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Ryan Huggins - Thousand Oaks, CA
https://HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

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.

Mar 03, 2017 08:44 AM
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Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

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

Mar 03, 2017 08:13 AM
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JoAnn Moore
The Mortgage Market of Delaware - Georgetown, DE
Home Loans in Delaware

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.  

Mar 03, 2017 08:00 AM
Rainmaker
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Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

Kim,

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

Mar 03, 2017 07:58 AM
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Debra Leisek
Bay Realty,Inc Homer Alaska - Homer, AK

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...

Apr 02, 2017 02:31 PM
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Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

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

Mar 06, 2017 06:32 AM
Rainmaker
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Michael Jacobs
Pasadena, CA
Pasadena And Southern California 818.516.4393

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

Mar 05, 2017 05:01 AM
Rainmaker
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Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

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

 

Mar 04, 2017 11:27 AM
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Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

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

Mar 04, 2017 06:11 AM
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Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Good luck.

Mar 04, 2017 05:19 AM
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Harry F. D'Elia III
WEDO Real Estate and Beyond, LLC - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

good luck on this one

Mar 04, 2017 05:17 AM
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Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I don't know.

Mar 04, 2017 05:04 AM
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Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

William Feela nailed this one!

Mar 04, 2017 03:44 AM
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Jennifer Mackay
Counts Real Estate Group, Inc. - Panama City, FL
Your Bay County Florida Realtor 850.774.6582

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

Mar 04, 2017 03:39 AM
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Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC
The RIGHT CHARLOTTE REALTOR!

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

Mar 03, 2017 09:28 PM
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Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

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. 

Mar 03, 2017 07:49 PM
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Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

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.

Mar 03, 2017 07:39 PM
Rainmaker
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Lynnea Miller
Bend Premier Real Estate - Bend, OR
Premier Real Estate Service in Central Oregon

There should be many options for this buyer.

Mar 03, 2017 05:41 PM
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Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

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 

Mar 03, 2017 04:47 PM
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Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

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. 

Mar 03, 2017 03:36 PM
Rainmaker
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Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

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.

Mar 03, 2017 10:36 AM
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Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

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

Mar 03, 2017 08:13 AM
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Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

maybe a hard money lender....

Mar 03, 2017 08:07 AM