The two year date from our short sale is coming up, and we are possibly interested in purchasing a manufactured home along with some land.We have more than 20% for down payment, and great credit otherwise. 2 lenders have told us that we will not be able to do a manufactured, new or existing. Is there any reason why we wouldn't be able to? we are in Arizona, and will likely need to use Conventional loan...thank you...
Sorry u just getting out of an upside down loan and u want to go into an other? not a chance here. keep renting and working extra jobs while u learn about house buying. Columbus depending on what u mean by 'manufactured home" u can be buying some thing that appreciates or loses value every year. either way do read Total money makeover, Dave Ramsey. to learn from others mistakes , not yours. it is faster cheaper easier that way. if "manufactured" and on an actual foundation then it does appreciate. if it had wheels taken of it then it does not appreciate. the land does only.
You have TWO problems here. First is your short sale only two years ago. You screwed the last lender with your short sale, and future potential lenders are not going to ignore that. Second, manufactured homes are difficult to finance even for those with no credit issues. Precious few lenders will finance a manufactured home, simply because they tend to FALL in value.
Good.... Most common mistake of homebuyers is buying more home than one needs or can easily afford Two years is a little early after short sale-- everything else must be really great to get loan approval, even with 20% down But putting down 20% increases chances of loan approval and best rate, as well as avoiding substantial extra costs of PMI
You are still considered a bad risk. The short sale still cost the lender a lot of money due to your failure to meet your obligations.
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