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a simple difference is.buying a mobile home - by itself. is like buying a car. Your loan in not a mortgage (mortgage tax credit does not apply) and appraisal requirements for mortgage do not apply, value of the location is not considered.buying a home on a lot with a mortgage. mortgage will have requirements of the home such as anchored down property with skirting aor stemwall, permanently fixed to the ground etc. these may vary depending on conventional or FHA loan (check with a lender).but the value of the home includes the specs of the home sitting upon the location of where it is and you have a mortgage not just a loan. tax credits apply,there's more differences but that's the basic.if you're looking to buy a mobile home and land and have a mobile home company do the whole set up for you, take into consideration some hidden costs of the temporary loan they often charge inbetween ordering mobile home and getting final closing on the whole package. - talk to others who have done this and find out what their costs were.
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For Sale: $249,000
For Sale: $142,700
For Sale: $159,900