Brett, Not easy to do these days, but can be done. I recommend you use someone local, maybe that hometype is common to the area, They will be more familiar with area and hometype guidelines. Hope that helps!

Yes they can be treated as a single family residense

As long as it is a true Modular and not a Manufactured Home then it is the same as stick built. Modular Yes, Manufactured would be more difficult but could be done.

Modular can be treated as a standard stick-built type of property - given that it is a true modular home rather than a manufactured home. I would suggest looking up a mortgage broker (such as HALO Capital, of course) in your state that has several lenders' guidelines available to help you obtain the most likely opportunity of financing.DavidHALO CapitalDes Moines, IA

Yes as long as it's a modular home and not a manufactured home it will be treated as a regular stick built property. If you're not sure what type of home it is there are a few quick observations that will help determine. First if it still has wheels and a trailer hitch attached it's a manufactured home. 2nd if you look under the home and see a steel beam running the length of the home then it is a manufactured home. if you don't see any of these items then you should be good to go as a modular home. I hope you find this information helpful. please feel free to contact me with any additional questions. Adam Webb Mortgage Consultant NMLS Unique Identifier #196458 First Charleston Mortgage L.L.C. Toll Free: (800) 968-3987 or email Adam.webb@firstcharleston.com

A true modular home is really no different than a traditional built home. Almost any lender will consider financing them. If you are having difficulty finding a lender, is it because your modular home was really built as a "Manufactured home"? If your home is really a Manufactured home, there are lenders out there still doing them with FHA and VA financing. My best advice is to contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org

Brett- Find a lender that is approved with PennyMac or contact their retail mortgage sales department. - I also suggest speaking to this man not necessarily about financing. - About his knowledge on manufactured and modular housing. - http://www.trulia.com/profile/onthelevelcontractors/ - If this is not a "Hot Link" copy and paste it in your address bar that we get you there. - Best wishes -Rudi