What a Manufactured Home Loan Is
A manufactured home loan finances HUD-standard factory-built homes. Depending on whether the home is titled as real property and permanently affixed, conventional, FHA, VA, and USDA options may apply.
Who It's For
- Buyers of new or existing manufactured homes
- Owners refinancing a manufactured home on owned land
- Buyers placing a home on a permanent foundation
- Those seeking an affordable path to ownership
How It Works
Financing depends largely on whether the home is real property (permanently affixed to land you own) versus personal property. Real-property manufactured homes can often access the same programs as site-built homes, including FHA and conventional, frequently with competitive terms.
Frequently Asked Questions
Can I get a conventional loan on a manufactured home?
Often yes, if the home is permanently affixed to land you own and titled as real property. Eligibility depends on the home and foundation meeting program standards.
What's the difference between real and personal property?
A manufactured home permanently affixed to owned land is typically real property (more financing options). One not affixed may be personal property (different, often costlier financing).
Can I finance the land and home together?
In many cases, yes — when the home is or will be permanently affixed to the land. We can review your specific situation.