The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Manufactured Homes: Why the June 15, 1976 Build Date Matters More Than You Think

By Scott Sheldon / May 20, 2026

If you are thinking about buying a manufactured home, one of the most important details to understand is the year the home was built. That single factor can dramatically affect your financing options, interest rate, resale value, and even how easy it may be to sell the property later. Many buyers see an older manufactured…

Manufactured Home Loans: What You Need to Know About Pre-1976 Homes

By Scott Sheldon / September 10, 2025

When it comes to financing a manufactured or mobile home, not all properties are treated equally. One of the first questions any lender is going to ask—whether it’s for FHA, VA, or conventional financing—is this: When was the home built? This single detail can dramatically shape your loan options, eligibility, and overall path forward. If…