Are you purchasing a Manufactured or Mobile Home?

Manufactured and mobile homes offer a cost-effective alternative to traditional site-built homes, making homeownership more accessible for a wide range of buyers. Whether you're purchasing a new manufactured home, refinancing an existing one, or placing a home on your own land, we offer flexible financing options tailored to your goals.

• Mobile Homes: Built before June 15, 1976. While traditionally not eligible for most modern mortgage financing, we may offer financing on a case-by-case basis, depending on the condition, location, and property title status.
• Manufactured Homes: Built after June 15, 1976, conforming to HUD building codes, and eligible for a variety of mortgage programs.

Manufactured homes can be placed on owned land or in a leased community/park, and they may be titled as real property or personal property, which influences financing options.

• Must be a double-wide or larger (single-wides typically not eligible).
• Home must be permanently affixed to a foundation.
• Land must be owned (not leased).
• Minimum down payment: 5%+.
• Requires appraisal and home must be titled as real property.

• Great for first-time buyers or lower credit scores.
• Down payment as low as 3.5%.
• Home must meet HUD standards and be permanently affixed.
• Allows financing of land and home together.

• For eligible veterans and service members.
• Zero down payment.
• Must be a permanent foundation and classified as real property.
• Must meet VA appraisal and safety standards.

• For homes located in eligible rural areas.
• Zero down payment.
• Must be a new manufactured home (existing homes may not qualify).
• Must be on a permanent foundation and meet all USDA requirements.

• Preferably built after June 15, 1976, with HUD certification label. Pre-1976 homes may be considered on a case-by-case basis.
• Must be transported in one or more sections and assembled on site.
• Installed on a permanent foundation.
• Home must be owned with the land, or long-term lease may be required.
• Utilities and infrastructure must be permanently connected.

• Affordable homeownership with lower overall costs.
• New homes offer modern features, energy efficiency, and design flexibility.
• Can be placed in rural or suburban areas, closer to nature or work.
• Financing available with low or no down payment depending on loan type.

Financing a manufactured or mobile home doesn’t have to be complicated. Whether you're buying your first home, placing a home on your land, or upgrading your living space, we’re here to help you explore every option.