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dmprokopf | Where do you go to get a home equity line of credit for a mobile home? |
I inherited the mobile home and have lived in it for less than a year and I'd like to get the loan for home repairs and a new/used car. But I'm not sure where to go or how to go about getting the loan. |
 |
 
Angela M
 |
https://www.lowermybills.com
They have a section on home equity loans and mobile home is listed as a choice for a loan. I've never heard of getting an equity loan on a mobile home, but as long as it's worth more than what's owed, I don't see why not. I've always heard mobile homes don't appreciate, though. Good luck! |
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Karrien Sim Peters
|
Don't do it. Sell it and get a home. That house has depreciated like a used Grand Am on a no credit needed lot. Sell it and get a home with enough money on the side to get that car. |
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AB
 |
Unfortunately a mobile home is considered a depreciating item, such as your vehicle. Unlike regular homes, they do not appreciate over time, so no bank will give you a HELOC. I suggest selling it and start saving up for a true home. |
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whatevit
|
It is real hard to get a loan for a mobile home, an equity loan on one is worse. Go to a local car dealer, perhaps the one you want to buy the car from. His sources may loan you the funds against the mobile home and the car title so that your goal can be met.
How much funds do you have to work with? the more you have, the easier the deal can be had. Where is the mobile home parked? (a trailer park is bad, private land is good) DO YOU OWN THE LAND? |
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pukwudjivc
|
Typically a mobile home is considered personal property, however if that house is attached to a real foundation some financial institutions will treat them as real property like a regular home.
Another option is you may be able to secure a personal loan using the mobile home as collateral. |
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mpbrady26
 |
Hehehe...good luck with that one. You won't be able to. You may, if your credit history and income is good enough, be able to get a personal loan for those things though...and seeing as you own the mobile home free and clear, that will be an advantage to you. |
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STEVEN F
|
You're assuming you HAVE equity. Most mobile home are worth less than the land would be worth without the mobile home. |
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wayneraltman
|
Not many lenders that will do that risky of a loan. You might want to check with some hard money lenders, or perhaps an HFC.
Mobile Homes are harder because they are MOBILE, and your collateral can move in the middle of the night.
Keep in mind the interest rate for this loan will be HIGH if you do find financing. The three C's of credit would apply here for sure.
Collateral, Credit, Capacity for debt. You might want to find a site built home in the same area, and put the money from the sale of the Mobile as a down payment. |
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mugwumper
 |
You cannot. Mobile homes are generally considered personal property, and thus you will not be able to get a mortgage (or a home equity line of credit, which is simply another form of mortgage).
Sorry for the bad news, but it looks like youre best bet is another form of financing.
Try www.prosper.com for example. I've got a group on there (though I won't post it because I'm not here to advertise) and we help people like you. |
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