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.
Get StartedCommon 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.
Other Loan Programs
No Down Payment for Military Families
FHA LoanEasier to Qualify For
Conventional LoanThe Standard Option
USDA LoanNo Down Payment Outside the City
Jumbo LoanFor Higher-Priced Homes
RefinancingTrade In Your Current Loan
Commercial LoanFinancing for Buildings That Make Money
Construction LoanFinancing to Build, Not Just Buy
Land LoanFinancing for Land, Not Just Homes
Doctor LoanBuilt for Big Student Debt and Bigger Potential
Renovation LoanBuy the Fixer-Upper and Fund the Fix
DSCR LoanQualify on the Property, Not Your Paycheck
Asset Depletion LoanLet Your Savings Do the Talking
Fix & Flip LoanMove Fast on the Next Flip
HELOCA Credit Line Backed by Your Home
Second Home LoanFinancing for the Place You Escape To
Multi-Family LoanLive in One Unit, Rent Out the Rest
Non-Warrantable Condo LoanWhen the Condo Doesn't Fit the Standard Box
Reverse MortgageTurn Home Equity Into Income, Without a Monthly Payment
Foreign National LoanFinancing for Buyers Without U.S. Credit History
ITIN LoanHomeownership Without a Social Security Number
Bank Statement LoanWhen Your Tax Return Doesn't Show Your Real Income
This is general information, not a commitment to lend. Rates, terms, and eligibility vary by lender and are subject to underwriting guidelines. East Coast Mortgage is an Equal Housing Lender, NMLS #2354674.