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Interest rates are higher than mortgage rates because loans for a movable property are riskier for lenders. The FHA backs loans for mobile home vehicles with its Title I program.
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FHA Loans For Manufactured Homes. Mobile Home Loan – Qualifying for a FHA Modular or Manufactured Home Loan. FHA modular and manufactured home loans are made by private lenders but are insured by the FHA in the case of default. In many cases, these loans have lower credit score requirements than conventional loan products.
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