First, 25% of 60,000 is 15,000.Second, Buying a trailer is a very bad idea. It does not appreciate. You own it...so what?Don't be in such a rush to own...it's over rated.Finally, please, use a spell check!
A few years back when we sold real estate we found that only certain lenders would give loans for mobile homes. Those mobile homes could not be more than a few years old and only double wides. I think there may be some specialty lenders or owners who will hold the mortgage so as to facilitate the sale of the mobile home.Mobile homes are usually easy to purchase and generally less costly than regular construction but they are hard to sell. I don't know much about Canada but that is the case in most of the US.I recommend that you look for a real estate buyer's agent to help you find a regular construction house. In the long run this will be a much better investment of your resources.
Not a proper answer:Before getting a mobile home in Canada talk to at least 3 people that own one.This is a MUST.Ask them exactly how much their highest utility bill was for heating.Some of those "trailers" are made out of tin - be careful.Do not take a step further until you do this.
If you buy a new mobile home you can usually get 10 year financing with 10-20% down but then you will have to pay space rent in a mobile home park for $400-$800 p/month or buy a piece of land that is zoned for mobile homes and then have to pay for septic tank and lot preparation before moving the mobile to the lot. Mobile homes usually depreciate rather than appreciate. You would be better off renting and saving your money to buy a small house.
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