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Old 05-09-2015, 11:56 AM
 
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It's Saturday so my credit union is closed and the only type of home I know they won't do is a trailer. Is this type of home excluded from this type of loan? House in question

15580 Holt Road, Skiatook, OK For Sale | Trulia.com
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Old 05-09-2015, 11:58 AM
 
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Only the business you are wanting to get a mortgage from can answer your question.
No one else here would know for sure unless of course they work for the mortgage company
you want to apply to.
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Old 05-09-2015, 12:08 PM
 
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Okay, thanks. Crossing fingers mine will.
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Old 05-09-2015, 02:48 PM
 
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This is the type of situation where you pass along photos of the house to your loan officer and have him/her give them to an underwriter for a quick look-see. There are probably not going to be three similar homes closed within the past six months within a mile or so to that home. So you'll want a lender who is willing to write a loan on an oddball or uncommon style.

You might do better with a very local lender rather than one of the big national ones. Hopefully, an appraiser can find three or more contemporary or unusual styled homes that have closed recently in the general area.

Also, you can try to look up the property in the local country or city clerk's office, depending on where the house is. There you can find the current mortgage on the home ( if any) and any past recent mortgages. That may give you some ideas on which lenders will write a loan on it. Of course, that they did it once, does not mean a lender may do it again. But it's a start.

Where I am in New England, we do see these types of homes. They do sell. What is needed is a lender willing to work outside the current, very narrow set of parameters. Good luck
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Old 05-09-2015, 04:11 PM
 
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Whoops that should have been the local county clerk's office.- caught it too late to edit-- typing on a phone
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Old 05-09-2015, 04:53 PM
 
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I sent it to my bank (FCU) and BoA both where I got GFEs from on another home and also included the link to the home. Hopefully one of them will do it if the home checks out.
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Old 05-09-2015, 06:02 PM
 
Location: Ozark Mountains Arkansas
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The A frame style is more common in areas that receive more snow, so that it slides off easily, but it's still considered a house in every sense of the word as any other house. If you look in parts of Colorado, you'll see lots of A frames. I don't think you'll have any issues going conventional, no more than any other house.

BTW: Wow, I LOVE this house. It's completely my style.
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Old 05-09-2015, 06:47 PM
 
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I prefer the garage and the house second. Maybe I can get them to include the tools and riding lawn mower.
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Old 05-11-2015, 09:28 AM
 
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Both said they can do it but they both emailed me today saying it will be hard to find comps so be prepared.
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Old 01-18-2017, 12:33 PM
 
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How hard was it for you to get the loan on this?
Also looking at an Aframe to buy in the Skiatook area and our lender also mention the comparables would be an issue.
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