system
Given the following post, respond as if you're commenting on Reddit:
human
Eli5... Manufactured Homes - Just as Good Yet Advised Against

My SO and I are in the market for a home (the market is insanely competitive).  We found a home that checks a lot of our boxes, but it's manufactured.  Our realtor warned us against them and I don't understand why. Something about financing being different?
gpt
So the biggest things you’ll run into from a financing side is some mortgage companies will not borrow for manufactured homes. The biggest reason is that manufactured homes tend to depreciate while fabricated homes tend to appreciate. No matter how you feel
about the quality of the build and workmanship in a manufactured home, for your  mortgage company it just might not make sense.