a mortgage lender is not going to do a loan that small in size. you should look at local finance companies who specialize in smaller loans with collateral like yours. The rates are higher but because it is a mobile home, it is more difficult to find someone to lend against them. You may be better off if you had a low rate ccard to draw against to meet the needs you have right now.

You may want to consider Vanderbilt Mortgage or Eva Bank to see what can be done to refinance your current mobile home. Where around Birmingham are you looking to buy? Depending on the condition of your mobile home you may qualify for a USDA Rural Dev loan which is no money down.

There are very few lenders that will do a loan for a mobile home. My suggestion would be to look for a local credit union or community bank. If they cannot (or will not) help you, then you may be forced to try a finance company. Rates and fees at a finance company will be higher, but that may be your only source. Good luck

For a real estate loan you have to have real estate. If you own the mobile home but not the land, then no, you cannot get a mortgage. If you also own the land it is sitting on and If your mobile home is not attached to the property (engineer certification required) then you can get a real estate loan (mortgage). If you do not own the land, but just the mobile home, there might be some local banks that do title loans. WilliamAcres.com