A manufactured home can be used as collateral for a home equity loan if it meets the following criteria:

• The home is affixed to a foundation on the land.
• The home can’t be in a trailer court.
• The person seeking the loan must also be the owner of the land.
• The steps to de-title* the home has been completed (this process may vary depending on location).

A manufactured home cannot be used as collateral for a home equity line of credit.

*De-titling is the process of legally combining a manufactured home with the land it sits on.