Manufactured Home Loan

Manufactured home loans are designed for factory-made homes built on a permanent chassis, and generally come in single or two-section units. This option offers various types of loans for homebuyers: FHA, VA, and conventional loans.

They may be small homes, but don’t be fooled – they come with big benefits. If you’re considering a manufactured home loan, these are some of the advantages:

Manufactured home loan rates are affordable
You can choose between a conventional, FHA, or VA loan
Down payment options as low as 3.5% for FHA and 5% for conventional
Manufactured homes are environmentally friendly

Requirements Of A Manufactured Home Loan

To find out if a property qualifies for a manufactured home loan, it makes sense to seek the advice from a lender, like us. But here are some general guidelines:

  • The home was built on or after June 15, 1976
  • Has no wheels and is designed as a single-family dwelling
  • Has a minimum of 400 sq. ft. for an FHA mortgage
  • Has a minimum of 600 sq. ft. for a conventional loan
  • Is permanently affixed to the property site for more than 12 months
  • You have a credit score of at least 580 for an FHA or 620 for a conventional
    (Other restrictions may apply, depending upon product and State.)

If you like small home living, or If you’re a renter and want to take the first step to homeownership, a manufactured home loan could be right up your alley.

Our Mortgage Brokers are ready to answer your questions (888)842-7272

Finding the Perfect Home Loan

Thousands of consumers across the United States are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2022 mortgage guidelines. Our mission is to get you approved for a mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a manufactured loan.
  • Secure a loan and purchase your new home!
Working around Credit Issues with Top Rated Specialists

Our FHA team is celebrating its 25th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in more than just manufactured home loans.  Check out consumer home buyer GRANT options, USDA loans and our FHA home loan options.

Get on the Path to Home Ownership. We got your Back!
Buy a Home with Little Money Down
Get Pre-Qualified Now

MINIMUM LOAN AMOUNT $60,000

We do not do loans under $60,000

    Manufactured Loan Benefits
    • Low down payment
    • Low 30 year Rates
    • Easier credit qualification
    • FHA grant programs available
    • No application fee
    • Use gifts for down payment

    Find your Manufactured Home Loan Now (888)842-7272.