Is my realtor right? Mobile(ish) home financing question

[Jason Hill]

I will be brief. I have a mobile home built 1973 (before the big HUD changes) that has what can only be described as a house built around it. It has a brick "skirting", a 2x4 exterior wall (that wraps around the metal siding), and a rafter roof slapped on top. However, my realtor says because it's still on a metal frame and has the doors/windows/ceilings of a mobile home it will be classified as such and traditional financing won't touch it. I know that a mobile home that has not been placed on a foundation will not be considered but I thought that was because it's still technically movable. This is very much NOT movable. You would destroy the home trying to move it.

As an aside this home is on 3 acres of land that will be included in the purchase.  The county classifies it as a traditional home, not a mobile home.

[Frank Rolfe]

Not sure if this helps or not, but in most states you can surrender the title, declare it to be permanently affixed to the land, and it becomes real property and no longer a mobile home.