Can I claim the new mortgage on my mobile home just like a regular brick and mortar home?

[anniecrazylady]

I own my mobile home but rent the property it is on. The financing came through a finance company that deals with mobile homes only.

[AmyC]

You can claim the mortgage on your home. Will you is a different story. Since the standard deduction is so high this year, most people are not itemizing. See How does the Standard Deduction differ from itemizing deductions?

Things are set to change for 2026 so you may be using it then. 

[Opus 17]

For the loan to count as a mortgage, the mobile home must constitute a "dwelling" -- that is, it must have living space, a bathroom, and a kitchen or food prep area.  And, the loan must be "secured" by the mobile home, meaning that the mobile home is collateral and could be seized if you stopped paying on the loan.   (Using an unsecured bank loan, or a loan from your 401k, or credit cards, to buy the mobile home, would not count as a mortgage for the tax deduction.)