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Is it hard to get a mortgage for a mobile or manufactured home? No, but it is different. Loans for manufactured homes come from Fannie Mae and Freddie Mac, two agencies that write the rules for.

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Even at that price, few buyers can afford to pay cash for a manufactured home, not to mention the land it sits on. As a result, most buyers need to finance the purchase of a manufactured home with or without land. But obtaining financing for a manufactured home presents some unique challenges.

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