Hi my name is Kathy Edmondson and I am the Finance Manager at Mobile Home Loans 4 U. I specialize in mobile/manufactured home loans in rental parks and in parks with land. Most lenders loan terms are a 20 year term for manufactured/mobile home loans but I have one lender who will go as high as a 23 year loan. I have programs available on Pre Hud Homes which are manufactured Prior to June, 1976 so if you find a home 1970 to 1976 and you have a good credit score the down payment if approved would be 20% down. If you find a home built June, 1976 and newer and you have a good credit score the down payment if approved would be 10% down. There is a possibility of getting a 5% down payment on homes that are $80,000 and more with a good credit score too. There are also programs for homes 1960-1969 for 20% down but those are done on a case by case basis. Please call Mobile Home Loans 4 U at 1-800 520 3191 and ask for Kathy Edmondson if you have any questions on purchasing a manufactured home.