The routing page — no calculator, on purpose
Every loan site wants to compute your payment. None of them asks the question that decides whether you get a loan at all: what does your title say, whose land is under the home, what foundation is under it, and was it built before or after June 15, 1976? Those four facts route you to entirely different loan doors. This page is the routing — the Title Path Checker returns the verdict inside your title result.
| Door | What it is | What opens it |
|---|---|---|
| Chattel loan | A loan on the home only, not the land ("chattel" is the paper word for personal property). The default for homes in parks. | A title that works. Works on rented or owned land. |
| FHA Title I | The federal home-only loan program. | A HUD-code home and title paperwork in order; works in a park or on family land. |
| FHA Title II | A regular FHA mortgage on home and land together. | Land you own + permanent foundation + the title converted to real property. |
| Conventional mortgage | A standard real-property mortgage. | The same three gates as Title II. |
The federal HUD Code took effect June 15, 1976. Homes built before it sit outside nearly every loan program above; homes built after it carry the HUD label the programs are built on. If your home is a 1976 build, the month matters — the data plate and HUD label carry it, and a missing label is itself a title blocker (a verification letter comes from IBTS).
Get the routing verdict inside my title result →
Related: converting to real property — the move that opens the mortgage doors — and the conversion sections on every state title page.
See the $39 Manufactured Home Playbook
One payment, yours to keep. Everything inside →
General information about how the process works in your state — not legal advice. For a contested eviction, a park-sale fight, or a title dispute with a lienholder, a local attorney or legal-aid office is the next step.