Loan Programs · Manufactured Home Loan
Financing Built for Manufactured Housing
Manufactured and mobile homes have their own financing path, and it's more available than most people think.
Written by the East Coast Mortgage team
Editorial review: East Coast Mortgage, NMLS #2354674 · Last reviewed
A manufactured home loan finances a factory-built home, sometimes still called a mobile home, though modern manufactured homes are built to a federal HUD code and look nothing like the old stereotype. Financing options exist through FHA, VA, USDA, and conventional programs, provided the home meets certain requirements: permanently affixed to a foundation, titled as real property in many cases, and meeting the age and construction standards the lender requires.
Whether you own the land the home sits on, or the home sits in a community where you'll pay lot rent, changes which loan programs are available and how the property gets valued. A manufactured home permanently attached to land you own generally has more financing options than one in a leased-lot community.
Manufactured housing gets a bad reputation in financing that isn't always deserved. There are real, legitimate mortgage programs built for it, and we can tell you honestly which ones your specific home and situation qualify for.
Curious what a manufactured home loan would actually cost you? Run the numbers, no commitment. Or see why shopping it through a broker beats walking into one bank.
General information, not a commitment to lend. Rates, terms, and eligibility vary by lender and are subject to underwriting guidelines. Equal Housing Lender, NMLS #2354674.
Common questions
Does the home have to be on land I own to get financed?
Not always, but it does affect your options. Owning the land generally opens up more loan programs than a home in a leased-lot community.
Can I get an FHA or VA loan on a manufactured home?
Often yes, provided the home meets the program's requirements around foundation, age, and construction standards. We can check your specific home against those requirements.
Bigger builds & bigger properties
Other programs in the same lane. All 23 →
Sources
- HUD: FHA loans for homebuyers
- Fannie Mae: Single-Family Selling Guide
General information, not advice for your specific situation. Program rules come from the agencies above and from each lender, and they change. A licensed loan officer confirms what applies to you.
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Think Manufactured Home might be your fit?
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NMLS #2354674 · Equal Housing Opportunity · Not a commitment to lend