How can I convert my property type from Manufactured Housing to a regular home?

Question by Holly08: How can I convert my property type from Manufactured Housing to a regular home?
When we took out mortgage loan we took it out for a used double wide and put it on to a first floor. We are still being classified as a Manufactured Home so we are not eligible to refinance. The thing is the whole thing has been redone and its not a manufactured home, is there anyway to get this converted so we can refinance?

Best answer:

Answer by Common Sense
No. It is still legally a manufactured home.

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7 Responses to How can I convert my property type from Manufactured Housing to a regular home?

  1. GVD says:

    Why can’t you refinance a manufactured home? Contact Land Home Financial and see if they can assist you; they are the leaders in manufactured home lending.
    http://www.land-home.net/
    I am not affiliated with them.

  2. Beverly S says:

    Sorry but no. If the home was not originally built on the property it is always considered a mfg. home.

  3. Landlord says:

    It will always be a manufactured home, it will not suddenly change into a built home complete with a building permit. You can not alter reality.

  4. Froufrou says:

    I would look into the lead GVD provided.

    I have been told all that is required is removing the tie-downs and tow hitch, then putting the home on a slab foundation, and you then are able to get the financing and insurance you want/need.

    Maybe this varies, state to state, idk.

  5. efflandt says:

    Is it entirely anchored to a basement or permanent foundation all the way around, or just up on blocks with a skirt around it? I do not know specific qualifications, but that is likely one of them.

  6. realtor.sailor says:

    No, it’s still a manufactured home. Manufacture homes aren’t built to the same standard as site built homes.

    realtor.sailor

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