A manufactured home permanently affixed to a foundation on land you own is usually straightforward to finance. FHA, VA, and conventional loans all work for it, provided the home was built on or after June 15, 1976 (the effective date of the federal HUD construction standard) and carries its HUD certification label. Once the home is titled as real property with the land it sits on, lenders treat it much like any other house. The difficulty people run into is homes on rented or leased land, in a park or on someone else's parcel. There the home is titled as personal property, closer to a vehicle than to real estate, so the standard mortgage programs do not apply and you are pushed toward specialty lenders with shorter terms and higher rates. A home on leased land also tends not to appreciate the way a home on owned land does, because you own the structure and someone else owns the ground under it. Manufactured-housing rules do get updated, so confirm current eligibility with the specific loan program. If you are weighing a manufactured home on land you would own, we can price the scenario out on a Roadmap conversation.