It depends on whether you are going for a conventional loan or not. With a conventional loan, the mobile must be "fee simple", where you own the land it sits on, and it must be at least a double-wide "Class C". The Class C designation indicates that the home has been permanently affixed to a foundation of some sort. If the mobile does not meet these requirements, don't lose hope. There are a few companies that make loans for mobiles homes on rented ground, or mobiles that are not Class C. Their rates will be different than those for conventional loans, however. If you need a few names of lenders, either conventional or mobile home specific, just let me know.