Manufactured Home Loan Options

ManufacturedHome.Loan offers a wide variety of home loan options for manufactured, modular, and mobile homes. MHL even finances in-park homes!

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Manufactured or Mobile Home In-Park Loans

If you’re looking to finance a mobile home in a community, ManufacturedHome.Loan specializes in chattel/in-park financing!

Additional Home Loan Types

Please visit for additional details on the land & home (real property) financing options listed below.

30-Year Fixed Rate Home Loans
If you plan to stay in your prefab home long-term, sleep tight knowing that you’ll have the stability of a consistent payment that never changes. Plan your budget with a consistent mortgage payment at a low rate that will stay the same throughout the life of your loan.

15-Year Fixed Rate Home Loans
A 15-Year Fixed Rate Mortgage on a manufactured home or modular home gives you the ability to pay off your mortgage as quickly as possible, while paying less interest over the course of the loan! Lower rates, and a shorter term makes a 15-year fixed rate mortgage the right choice for the financially savvy customer!

Manufactured Home VA Loans 
Are you a veteran, member of the military, or a military spouse? You may qualify for a VA loan! VA Loans offer flexible options as either fixed-rate or ARM mortgages. You may qualify for fast approval and a hassle-free loan even with less-than-perfect credit. Refinance up to 100% of your home, or buy a new manufactured home, or prefab home, with no down payment, and never pay any monthly insurance (PMI)!

  • 5-year ARM loans available
  • Refinance up to 100% of your primary home’s value
  • VA Streamline Refinance with a reduced funding fee and flexible documentation requirements – available for veterans currently in VA loans
  • Buy a new primary home with no money down 
  • No monthly PMI (Private Mortgage Insurance) 
  • VA Loans are governed by the U.S Department of Veterans Affairs

Manufactured Home FHA Loans
A Manufactured Home FHA Loan provides a government-insured loan with flexible loan options. With flexible credit requirements and qualifications, this type of loan is great for buying a mobile home, modular home, or manufactured home, or even refinancing!

One-Time Close Manufactured Home Construction Loans
A One-Time Close (OTC) manufactured home construction loan gives you the ability to combine the construction of your new manufactured home with the land purchase and permanent mortgage into a single closing!

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