Manufactured Home Loans
Real financing for manufactured homes.
Financing for manufactured (mobile) homes permanently affixed to land — through FHA, conventional, VA, and USDA programs built specifically to accommodate this property type.
Program Highlights
- FHA Title II loans available for manufactured homes permanently affixed to a foundation on owned land
- Conventional financing available for homes meeting specific construction, foundation, and age requirements
- VA and USDA manufactured home financing available for eligible borrowers and properties
- Home must typically be built after June 15, 1976 (HUD Code compliant) and permanently affixed to a foundation to qualify for most mortgage programs
- Single-wide and double-wide/multi-wide homes both eligible depending on program and foundation type
- Can include land purchase in the same loan if not already owned
- Down payment and credit requirements generally mirror the underlying program (FHA, conventional, VA, USDA)
Best For
- Buyers purchasing a manufactured home on owned land
- Buyers purchasing land and home together
- Homeowners refinancing an existing manufactured home
What You'll Need to Qualify
- Home typically must be built after June 15, 1976 (HUD Code)
- Must be permanently affixed to an approved foundation
- Titled as real property (not personal property/chattel) for most programs
- Down payment and credit mirror the underlying program
Guidelines vary by lender and borrower profile. All loans subject to underwriting approval. Not a commitment to lend.
Good to Know
the home's foundation type and whether it's titled as real property (versus personal property/chattel) are the biggest factors in which loan programs are available — a home still titled as personal property typically needs to be converted to real property before most mortgage financing applies.
Common Questions
Does my manufactured home need to be on a permanent foundation to qualify?
Yes, for most mortgage programs (FHA, conventional, VA, USDA) the home must be permanently affixed to an approved foundation.
Can I finance a single-wide home?
Yes, depending on the specific program and foundation requirements — both single-wide and multi-wide homes can qualify.
What if my home is still titled as personal property?
It generally needs to be converted to real property (titled with the land) before most traditional mortgage programs can be used — we can help confirm what that process looks like in your situation.