Sarah realized that mobile home loans are different. Because she was buying the land and the home together, she qualified for a (for the home only) or a traditional mortgage (if the home is permanently attached to the land). She opted for an FHA loan , which allowed for a lower down payment since her home met modern HUD safety codes. 4. The "Hidden" Setup Costs

The biggest hurdle Sarah faced was where to put the home. She had two choices:

Ensuring the two halves of the home were sealed and "buttoned up" correctly.