Manufactured & Mobile Home Loans
Affordable financing for manufactured and mobile homes. Competitive rates, low down payments, FHA & VA options available.
GET PRE-APPROVEDManufactured & Mobile Home Financing
Manufactured homes (also known as mobile homes) are factory-built homes constructed to HUD Code standards. These homes offer an affordable path to homeownership, typically costing 30-50% less than traditional site-built homes. Modern manufactured homes are high-quality, energy-efficient, and can be financed with conventional, FHA, or VA loans when they meet certain requirements.
Whether you're purchasing a new manufactured home, refinancing an existing one, or buying land and home together, we have financing solutions from 260+ lenders specializing in manufactured home loans. Our team understands the unique requirements and can help you navigate the process smoothly.
Why Choose a Manufactured Home?
Affordability
Manufactured homes cost 30-50% less than site-built homes, making homeownership accessible to more families.
Quality Construction
Modern manufactured homes are built to strict HUD standards with quality materials and energy-efficient features.
Fast Move-In
Factory construction means faster completion times—typically 4-8 weeks versus 6-12 months for site-built homes.
Customization Options
Choose from hundreds of floor plans and customize finishes, fixtures, and features to match your style.
Energy Efficiency
New manufactured homes meet or exceed ENERGY STAR standards, reducing monthly utility costs.
Lower Property Taxes
Manufactured homes typically have lower property tax assessments than comparable site-built homes.
Manufactured Home Loan Options
FHA Manufactured Home Loans
FHA loans are the most popular option for manufactured homes, offering low down payments (3.5%) and flexible credit requirements. The home must be built after June 15, 1976, and meet FHA's foundation and safety standards.
Down Payment:
3.5%
Credit Score:
580+
Loan Term:
Up to 30 years
VA Manufactured Home Loans
Veterans, active military, and eligible spouses can purchase manufactured homes with no down payment using VA loans. The home must be permanently affixed to land you own and meet VA's Minimum Property Requirements.
Down Payment:
0%
Credit Score:
No minimum
Loan Term:
Up to 30 years
Conventional Manufactured Home Loans
Fannie Mae and Freddie Mac offer conventional loans for manufactured homes that meet their guidelines. These loans typically require higher credit scores and down payments but offer competitive rates.
Down Payment:
5-10%
Credit Score:
620+
Loan Term:
Up to 30 years
Chattel Loans (Personal Property)
If you don't own the land, a chattel loan finances the home as personal property (like an auto loan). These loans have higher rates and shorter terms but don't require land ownership.
Down Payment:
5-20%
Credit Score:
600+
Loan Term:
15-20 years
Manufactured Home Loan Requirements
Home Requirements
- Built after June 15, 1976 (HUD Code compliance)
- Permanently affixed to land on permanent foundation
- Minimum 400 square feet of living space
- HUD certification label attached
Land Requirements
- Must own the land (for real property loans)
- Home and land titled together as real property
- Zoning allows manufactured homes
- Access to utilities and roads
Borrower Requirements
- Credit score varies by loan type (580-680)
- Debt-to-income ratio below 43-50%
- Stable employment and income
- Down payment (0-20% depending on loan type)
Foundation Requirements
- Permanent foundation (concrete, piers, or basement)
- Wheels, axles, and hitch removed
- Foundation certification from engineer
- Meets local building codes
New vs. Used Manufactured Homes
| Feature | New Manufactured Home | Used Manufactured Home |
|---|---|---|
| Price Range | $50,000 - $150,000+ | $20,000 - $80,000 |
| Down Payment | 3.5% - 10% | 10% - 20% |
| Interest Rates | Lower (6% - 8%) | Higher (7% - 10%) |
| Loan Terms | Up to 30 years | 15 - 25 years |
| Warranty | 1-year manufacturer warranty | As-is (no warranty) |
| Energy Efficiency | ENERGY STAR certified | Varies by age |
| Customization | Full customization available | Buy as-is |
Ready to Finance Your Manufactured Home?
Get pre-approved today and explore your options. We work with 260+ lenders specializing in manufactured home financing to find you the best rates and terms.