There's a large difference between a mobile home and a manufactured home, so which is it that you want? When you say it's a "house" then you're probably talking about a manufactured home. Those are real homes but a mobile home insured like a car because they last onlly about 18 years thensfall apart bit by bit. It's not that it's below what you can afford but more like it's a home so should get a bank loan or mortgage company to finance it. So you'd need 20% down which is $16,000 and the bank or mortgage company would finance the 80% after they've assessed the value themself. If you can get a 30 year loan with the ability to pay it off early without being fined then go do that. A mortgage requires a lot of things like a credit check, a check on your income present and past, your credit reports, etc. So fill out the application first (there's a fee for that) and then get a letter in hand that shows how much that bank will lend you. That's just in case you can't get that home and want to apply for a condo somewhere. You didn't tell us anything more so there are things like inspections, inspections for termites, for chinese drywall mold, for lead, etc. How old is that house? Is everything up to code? Remember you have to pay taxes on this house and home insurance. While lots of people might be able to buy a house, lots of them don't figure on the cost of upkeep and insurance and taxes.

No, a car loan is a car loan.

A mortgage is a house loan.

Mobile homes tend not to be mortgages. They tend to be personal or special mobile home loans because they aren't a car and they aren't an investment like a house.

You can probably get a personal loan with no early repayment penalty. Therefore, you could pay it off as quickly as you like, but have the luxury of only making small payments for a longer time if wanted.

Car loans cannot be used for a home. You can do a 5 year FHA loan if the house is a double wide on a permanent foundation & you are buying the land it's on as well. If it's not on the land, not on a permanent foundation & not a double wide you are going to have trouble getting a loan for it anywhere.

Some mobile homes have VINs and are titled as motor vehicles.

You need to determine if this situation applies; unlikely but possible.

Otherwise...normal mortgage required. A mortgage is usually 'good' debt; the real cost of one is low due to the deductibility of interest paid.

You can get a home loan for any amount of time from about 1 year to 40 years. Just go to your local bank and ask.

No. You may qualify for a personal loan, but the interest rate will be much higher than a mortgage.

No. Car loans are only for purchasing motor vehicles.

I'm looking to buy my first house. It's a mobile/manufactered home for about $80,000 in a nice area. It's well below what I can afford, but that's how I like it because like 50% of my paycheck would be disposable income. The house is about equal to 1 year of salary for me. I can put about 50% down but it would be a huge waste to do even a 15 year loan with interest. Could I get maybe a 60 month car loan for this? Or are car loans only to be used for cars? I'm new at this so am not sure.