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Manufactured Home Loans
Modern financing solutions for factory-built and modular homes
Understanding Manufactured Home Loans
Manufactured home loans are specialized mortgages designed for factory-built homes that meet modern construction and safety standards. These loans offer competitive rates and terms similar to traditional mortgages, making quality housing more accessible and affordable.
Multiple Loan Programs
FHA, VA, conventional, and specialized options available
Land & Home Packages
Finance both the home and land with one loan
Competitive Terms
Rates and terms similar to traditional mortgages
Loan Programs
FHA Loans
- 3.5% down payment with 580+ credit
- Competitive rates
- Foundation requirements
- Primary residence only
Conventional Loans
- 5% minimum down payment
- Higher credit requirements
- Multiple term options
- Second homes eligible
3.5%+
Down Payment
Minimum required
580+
Credit Score
FHA minimum
HUD
Code Required
Modern standards
Fixed
Foundation
Permanent required
VA Manufactured Home Loan Benefits
Special financing options for veterans and active military members
Financing Benefits
- 100% financing available - no down payment required
- No monthly mortgage insurance
- Competitive interest rates
- Lower credit score requirements
- Flexible qualification guidelines
Property Options
- Single-wide and double-wide homes
- New construction manufactured homes
- Existing manufactured homes
- Land-home packages available
- Multi-section homes eligible
Additional Perks
- VA-backed loan protection
- Assumable mortgage option
- Funding fee can be financed
- No prepayment penalties
- Streamline refinance available later
Important VA Requirements
Property Standards
- Must be classified as real property
- Permanent foundation required
- Built after June 15, 1976
- HUD certification tags present
- Meet VA MPRs (Minimum Property Requirements)
Borrower Requirements
- Valid Certificate of Eligibility (COE)
- Primary residence occupancy
- Satisfactory credit history
- Stable income and employment
- Meet VA residual income guidelines
Ready to Get Started?
Our manufactured home loan experts are here to help you find the right financing solution.
Quick Pre-qualification process