Manufactured Home Loans
"Affordable homeownership. Modern standards."
Financing for manufactured and modular homes. Must meet HUD standards and have permanent foundation. FHA, VA, and Conventional options available.
3.5-5%
Min Down
620+
Min Credit
$400,000+
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Buying a manufactured or modular home
- Property has permanent foundation (no wheels)
- Home is HUD-compliant with certification label
- Property is titled as real estate
- Looking for affordable homeownership
This Might NOT Be Right If...
- Mobile home on rented lot (chattel loan needed)
- Home has no permanent foundation
- Built before June 15, 1976 (pre-HUD)
- Titled as personal property (like a vehicle)
- Home still has wheels or axles
Manufactured Home Loans Benefits
Everything you need to know about your benefits
Low Down Payment
As little as 3.5% down with FHA or 0% for VA-eligible buyers
Multiple Loan Options
Choose from FHA, VA, or Conventional based on your situation
Real Property Benefits
Titled as real estate with potential for appreciation like site-built homes
Quality Standards
HUD certification ensures your home meets federal safety and construction standards
Affordable Homeownership
Often more affordable than site-built with similar living quality
Competitive Rates
Access the same loan programs and rates as traditional home purchases
How It Works
Your path to homeownership in just a few simple steps
Find Your Manufactured Home
Locate a HUD-compliant manufactured or modular home on a permanent foundation.
Verify Eligibility
We confirm HUD certification, foundation type, and property title status.
Choose Your Loan Program
Select FHA, VA, or Conventional based on your qualifications and goals.
Close and Move In
Complete your loan and enjoy affordable homeownership.
Find Your Manufactured Home
Locate a HUD-compliant manufactured or modular home on a permanent foundation.
Verify Eligibility
We confirm HUD certification, foundation type, and property title status.
Choose Your Loan Program
Select FHA, VA, or Conventional based on your qualifications and goals.
Close and Move In
Complete your loan and enjoy affordable homeownership.
Types of Manufactured Home Loans
Choose the option that fits your situation
FHA Manufactured
3.5% down payment with flexible credit requirements. Government-backed with competitive rates. Great for first-time buyers.
Learn moreVA Manufactured
0% down for eligible veterans. No PMI required. Use your service-earned benefit for affordable homeownership.
Learn moreConventional
Competitive rates for borrowers with good credit. 5% minimum down payment. Flexible terms available.
Learn moreThings to Consider
A reverse mortgage is a significant financial decision. Here's what you should understand before proceeding.
Foundation Requirements
The home must be on a permanent foundation—not a chassis with wheels. Some homes require foundation work to qualify.
Title Conversion
If your home is titled as personal property, it may need to be converted to real property before financing.
Land Ownership
You typically must own or be purchasing the land. Homes on rented lots may require different financing.
Age Requirements
Most programs require homes built after June 15, 1976, when HUD code took effect.
HUD-approved counseling is required to ensure you fully understand these factors before proceeding.
Loan Details
Documentation Required
- HUD certification label (data plate)
- Foundation certification
- Proof of real property title
- Standard income and asset documentation
- Property appraisal
Eligible Property Types
- Single-wide manufactured homes
- Double-wide manufactured homes
- Modular homes on permanent foundation
- Manufactured homes on owned land
Additional Info
- Home must be primary residence for FHA/VA
- Minimum square footage may apply (400+ sq ft)
- Must be connected to permanent utilities
- Some age restrictions apply to older homes
Manufactured vs. Mobile Homes
| Feature | Manufactured Home(This loan) | Mobile Home |
|---|---|---|
| Foundation | Permanent (required) | Temporary/wheels |
| HUD Certification | Required | May not have |
| Title Type | Real property | Personal property (like vehicle) |
| Built After | June 15, 1976 | Before 1976 |
| Financing Options | FHA, VA, Conventional | Limited options |
| Appreciation Potential | Similar to site-built | Typically depreciates |
* Rates and terms subject to change. Contact us for current offers.
Frequently Asked Questions
Common questions about Manufactured Home Loans
Last updated:
What's the difference between manufactured and mobile homes?
"Mobile home" is an older term for homes built before June 15, 1976. "Manufactured home" refers to homes built after that date under HUD code standards. For financing, manufactured homes with permanent foundations qualify for FHA, VA, and conventional loans.
Does the home need to be on a permanent foundation?
Yes. For most financing options, the manufactured home must be permanently affixed to a foundation and have wheels and axles removed. The foundation must meet HUD and lender requirements.
Can I finance a manufactured home on rented land?
Traditional mortgage financing typically requires you to own (or be purchasing) the land. Homes on leased land may require a chattel loan or other specialized financing.
- The HUD label is a metal plate attached to the exterior of homes built after June 15, 1976. It certifies the home was built to federal Manufactured Home Construction and Safety Standards. It's required for FHA, VA, and most conventional loans.
- Not necessarily. If your manufactured home meets all requirements (HUD label, permanent foundation, titled as real property), you can access the same loan programs and similar rates as site-built homes.
- Yes. VA loans are available for manufactured homes that meet VA requirements: permanent foundation, HUD certification, and property titled as real estate. 0% down payment with no PMI.
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Ready to Finance Your Manufactured Home?
Let's find the right loan program for your situation
Or call us directly: (757) 558-2603