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One option would be to rent a mobile home for a while to see if is acceptable to you. If you like your rental then you might even be able to buy it from the owner.

In addition to being charged higher interest rate for a mobile home loan you may also find that the length of many mobile home loans that you can get is shorter which will increase the required monthly payment compared to a 30 year fixed rate mortgage for a conventional house.

Most likely the best way to buy a mobile home would be to buy a good used one at a big discount for cash. There may be forclosed mobile homes in your area that might be good deals.

You might also check to see if a duplex or triplex is affordable in your area since you can normally get a 30 year fixed rate mortgage and rent out the other units.
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