We live in a 1994 manufactured home in a park. It's not in horrible shape, but not great either. We owe about $18,000 on the loan. The loan is not in our name, it is in a family member's name, and we will not walk away on the loan and mess up their credit. But we have severely grown out of this house, bought it when we only had 2 kids, now we have 5!

We are finally financially ready to buy a "real" home, but the remainder of this loan is a real problem. We're wondering, if we get a home under our budget, if we can possibly roll this loan into the mortgage? We may eventually be able to get a couple thousand for the manufactured, at the most, but no way it could cover what we owe. Any help?

Its unlikely the bank will roll the two together. However, if you will have significant equity in the new home, you can get a home equity loan or line of credit to pay off the other loan.

you are not going to find a home that you will buy now, and get a loan that is for 18K more. In fact you will be lucky to get a loan for 80 present of the current value of the home.

I mean if you found some lender "today" jump on it but don't expect it.

Did the other family member take out the loan for YOU? did you buy it from them and take over their loan ?
Can you rent out the double wide for close to the payment