Manufactured & Mobile Home Loans

Yes, it’s one of our specialties. Single, double, triple wide, on land you own, June 1976 and newer, on FHA, conventional, VA, and USDA, plus our rural residential program for the tougher ones. Reach out and we’ll tell you the path.

People use the words interchangeably, but technically a manufactured home is built after June 1976 to HUD code. Mobile home is the catch-all for the older, pre-HUD stuff. A modular home is built in a factory and assembled on site, and it’s financed like a stick-built house. We do all three.

HUD’s manufactured code started mid 1976, so June 1976 and newer is the line for most programs. Older than that has its own path, see the pre-1976 question below.

The requirements depend on the program, but the basics are simple. The home needs to be on real property you own, professionally installed, and generally June 1976 or newer. Beyond that, what you qualify for comes down to the program. Send us your scenario and we’ll tell you what fits.

Yes, it’s the most common way these get done, on single and double wides on real property. It isn’t always the best option though, so let us compare it to a conventional manufactured home mortgage.

Yes. Single wides are fine, June 1976 and newer.

Yes. And conventional can beat FHA on a manufactured home, especially when you stack first-time buyer help with the income-based programs. Worth a look before you assume FHA.

Yes. Fannie Mae’s MH Advantage and Freddie Mac’s CHOICEHome are conventional programs for manufactured homes that meet certain construction features, and they waive the add-ons manufactured homes usually carry, so the home gets treated much more like a stick-built house. If yours qualifies, it’s a strong option. Ask us and we’ll check.

No, and that outdated rule costs people. Single wides used to get squeezed on age, lenders backed off, and a lot of folks still think they’re unfinanceable. They’re not. June 1976 and newer works, and we do them all the time.

Yes, all day. Single, double, triple wide, and homes moved more than once all fit our standard VA programs, no markup for the harder files. VA covers modular homes too, since modular is treated like stick-built.

Yes, on homes twenty years old or newer. USDA is also called Rural Development. If yours is older, the other programs don’t have that cap.

We do pre-1976 homes case-by-case on our rural residential program. Most lenders won’t touch them. Reach out with the home and the situation and we’ll tell you straight.

There isn’t the hard wall other lenders make it sound like. June 1976 and newer is standard, older goes case-by-case on rural residential. Honest answer, send it to us.

Yes. Once-moved is fine on FHA, conventional, and USDA. Twice-moved and beyond we handle on VA and rural residential. A moved home is not the dead end others make it.

Almost certainly yes. The skirting around the bottom is cosmetic and is not the foundation. The permanent foundation is the steel frame and support system underneath, and a legally installed home on the tax roll as real property is on one. If a lender told you otherwise, they were wrong. Let us look at it.

No. It needs to be off the wheels and professionally installed on land you own. The perimeter material is cosmetic. We sort this out for people all the time.

Yes, as long as it’s land you own or are buying. A manufactured home and land loan is the whole point, these are real estate mortgages.

Yes. Big acreage is fine, even when most of the value is in the land and outbuildings rather than the house. Other lenders bail there, we don’t.

That’s not our lane. We do real estate on land you own. An HOA or PUD, like some resort areas, can work. A rented lot in a park is the part we don’t do.

Yes, every day, it’s core to what we do, purchase or refinance.

Yes, and now on a 30-year term on conventional, where it used to cap at 20 years. That shorter term used to push payments up and knock people out. The longer term changes the math. Bring us the scenario.

You can tap the equity, but lines and seconds are tough to come by on manufactured homes. Tell us the scenario and we’ll pull up what’s actually out there and find the best path, which is often a cash-out refinance.

There can be. We work with Oregon’s Flex Lending down payment assistance, the First Home and Next Step products, which can be used on manufactured homes. Reach out and we’ll see what fits.

We take it all. No overlays means we work off the actual agency guidelines, not a stricter investor list. We’ve closed manufactured homes for people in active Chapter 13. If there’s a path, we find it.

Yes, in your favor. Modular is built in a factory and assembled on site, and we finance it like a stick-built house with none of the manufactured add-ons.

Yes. Additions are no problem on conventional, FHA, and VA. We’ve done a single wide with a 2,000 square foot attached shop, half manufactured and half house. Large or small, send it over. On USDA, added structures get a little pickier, so those are case-by-case.

Yes. Conventional can do a manufactured home with an accessory dwelling unit, and rural residential can handle multiple manufactured homes on one property. Tell us what you’re picturing.

If your home is on land you own, you don’t need a chattel loan, you can get a real mortgage, which is almost always the better deal. Chattel and in-park consumer loans aren’t something we do. We deal in real estate.

Common one. A manufactured home on land you own can be tied to the real property instead of a vehicle-style title. Reach out and we’ll point you the right way so it can be financed as real estate.

Yes. We have access to lookup systems consumers don’t, so if your tag is missing or you’re pinning down the year on an older home, send us what you’ve got and we’ll run it down.