I have been trying to get a loan for a home in a certain area of Florida. I was just advised by PNC Bank that this certain Condo Association wasn't on the "Approved" list that the government gives out for Manufactured Home Lending. How can this group operate as a Condo Association if it doesn't meet the Government Approval list? There are only two banks that will loan money for this location and it's at higher interest rates because it's not a mortgage. It is a Commercial Loan at 9%. This doesn't seem right to me.