Affordable Homeownership, Modernized
Manufactured home loans provide financing options for factory-built homes that meet HUD standards. These loans often require the home to be permanently affixed to owned land and can be used with FHA, VA, and even most Conventional loan programs.
Highlights
Available for Conventional, FHA, VA, and USDA Loans
% Down Requirements are based on Loan Type
Flexible Loan Terms to Fit Your Budget
Competitive Interest Rates
550-600 Min Credit Score Requirement
Choose Your Path
FAQ
Manufactured Home VS Modular Home
Manufactured homes are built entirely in a factory and must meet HUD standards. Modular homes are built in sections but treated like standard stick-built homes as far as financing goes.
Can I get a conventional mortgage on a manufactured home?
Yes, if the home is permanently affixed to owned land and meets Fannie/Freddie or FHA foundation guidelines.
Do manufactured homes require special appraisals?
Yes, appraisers must find comparable sales of other manufactured homes, not site-built homes. This is typically not a concern in most markets.
Can I use FHA, USDA, or VA for manufactured housing?
Yes, each offer specific programs for eligible manufactured homes. Subject to applicable guidelines. Subject to change.
Minimum down payment for a manufactured home?
FHA allows 3.5% down; conventional usually requires 5% depending on credit and property type. Subject to change.
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Disclaimer: Information provided is for educational purposes only and is subject to change. All loan programs, interest rates, down payment requirements, and terms are subject to credit approval, underwriting guidelines, investor requirements, and may change without notice. Not all applicants will qualify. Restrictions may apply, including but not limited to geographic limitations, property type, and occupancy requirements.