Thinking about buying a mobile home on leased land and wondering if first-time homebuyer programs apply? This is one of the most common (and costly) misunderstandings I see. When a mobile home is on leased land, it’s not considered real estate. There’s no deed — the home is titled at the DMV, similar to a vehicle. Because of that, traditional first-time homebuyer programs don’t apply. Instead, this type of purchase requires a special loan called a chattel loan. The rules, approvals, and financin
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