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Lenders do not like to finance these types of houses as they could be moved at any time. Also, it is hard to build equity in a manufactured home (for reference, equity is the property value minus the debt). Many owners of manufactured houses do not own the land their house is sitting on, and land is a big part of equity. Manufactured houses simply do not tend to go up in value. They are also geared towards lower income levels, and sometimes there are inferior building materials used. These are a few of the reasons 0% apr for 12 months why it is hard to get a traditional mortage on a manufactured home.The pros are that manufactured houses are very affordable, and provide people without a lot of income with a way to own their own home. More and more people are buying manufactured homes and permanently installing them on land that they own. Because of this sometimes they are able to qualify for a traditional mortgage.If you are planning on considering a manufactured home, arrange for your own financing (do not necessarily go with the offer the seller of the home will try to talk you into). You will usually get a better deal arranging for financing yourself. Lots of financing tips apr 0% 12 for months are available on www.mortgage-refinancing-online-guide.com. Also, avoid "all in one packages" that include everything (installation, financing, home-site, etc). You can get a more competitive price on your home by shopping for just the home. Try to find a good site to install your home on, before you buy the home. Also, consider buying rather than renting the site where your home will be.Manufactured homes 0% apr for 12 months have both pros and cons, and are often a good housing solution. Just be sure you get all the facts and options before you sign any contracts.  Apply for 0% apr for 12 months Visa Credit Cards Use your VISA credit card wisely Pay your VISA credit card bills on time. This is the single most important thing you can do to preserve and enhance your credit rating. Always pay at least your minimum payment and allow time for your payment to reach the company if you are using the mail. If possible, pay off your balance in full each month. If this is not possible, then make as large a payment as you can comfortably afford. Paying off or paying down your balance is a sound financial move—one that will save you money on interest charges. If you can’t pay off your balance in full, then slow down on your credit card use for the next while. Take time to step back and have a careful look at how much you earn and how much you spend each month. A little budgeting can save you big money down the road. Check your statement carefully each month. 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