Manufactured & Mobile Home Loans
Affordable financing for manufactured and mobile homes. Competitive rates, low down payments, FHA & VA options available.
Manufactured & 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.
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
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
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
4. FHA 203(k) Renovation Loan
Second mortgage with fixed rate and lump sum payment. Keep your existing first mortgage intact while accessing equity for renovations.
Down Payment:
5-20%
Credit Score:
600+
Loan Term:
Up to 30 years
New vs. Used Manufactured Homes
Feature
Price Range
Down Payment
Interest Rates
Loan Terms
Warranty
Energy Efficiency
Customization
New Manufactured Home
$50,000 - $150,000+
3.5% - 10%
Lower (6% - 8%)
Up to 30 years
1-year manufacturer warranty
ENERGY STAR certified
Full customization available
Used Manufactured Home
$20,000 - $80,000
10% - 20%
Higher (7% - 10%)
15 - 25 years
As-is (no warranty)
Varies by age
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.
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This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Copyright © 2026 | Anthony Galaviz
Licensed in: AZ, TX, GA, NM, CA, FL
NMLS #2018327
Address: 7840 S Sorrell Ln Gilbert 85298 AZ
Phone: 602-705-7983
Email: [email protected]
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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