Mortgage Loans for Manufactured Homes


A manufactured home is a type of housing that includes modular homes and is typically constructed at a factory and then assembled on-site. Not only is

Not only is cost of construction usually far less than traditional stick-built homes, manufactured homes also offer greater energy efficiency.

Financing a manufactured home can be somewhat of a challenge, as loan terms can vary from lender to lender.

Both FHA and VA loans have been available for manufactured housing, but it can be difficult finding a lender that provides conventional loan programs for the purchase, refinance or cash out of a manufactured home.

We provide conventional loan programs for the purchase, refinance or cash out of a manufactured home designated as a primary residence or second home.

Program highlights:

  • Owner occupied purchase up to a $417,000 loan amount 5% down payment required
  • Second home purchase up to a $417,000 loan amount 10% down payment required
  • Manufactured condos are eligible
  • Single-width manufactured homes are not permitted unless in a Fannie Mae approved subdivision

Find The Lowest Mortgage Loan For Manufactured Homes!

The mortgage rates for manufactured homes will vary from lender to lender. Go beyond the Fannie Mae HomePath program.

While you can also procure FHA and VA loans, only a few lenders offer borrowers the benefits of conventional loans – and we are one of them. We address any challenges you face regarding manufactured homes.

Please contact Chad Baker with any questions on the purchase or refinance of a manufactured home.


“Chad and his team are exactly who you want handling the financing of your home. Whether it be a new purchase or refinance, he and his team are one of the most professional, responsive group of people I’ve worked with. Buying a home can be very stressful and Chad and his team took all of the necessary steps to make the process as painless and as quick as possible. They are extremely knowledgeable, organized and have great follow through. You won’t ever be left wondering what the next steps are. I highly recommend him and will use him in all of our real estate transactions moving forward.”

I HIGHLY recommend Chad and his team.

Chad and The Chad Baker team really helped me from start to finish with my loan process. They were extremely responsive and provided me updates on a daily basis. I had a few personal issues that they helped me work through so I could get the best loan program and best rate. Very knowledgeable about the industry, rates and trends.I HIGHLY recommend Chad and his team. I’m happy to offer a reference upon request. Please ask Chad for my contact information.”

“This is the second time that I have worked with Chad (home purchase & refinance). He has become my subject matter expert and someone I depend on for all finance needs related to our home and real estate investments. My favorite things about Chad are his depth of knowledge, responsiveness, honesty and the great service he provides. I have referred countless friends and family of mine to work with him for no other reason than I know that he will treat them well and equip them for the best possible outcome. Chad will add tremendous value to any real estate transaction that you have and I am grateful to have him as a resource.”

I hope you enjoyed reading this article. It's my goal to keep you updated with the latest real estate mortgage news. I'm proud to provide you with 100% original and unique content. Subscribe now to get high quality real estate mortgage content and articles delivered directly to your inbox. Chad Baker is Regional Manager for RPM Mortgage. Chad is consistently recognized in the top 1% of mortgage originators in the United States 2011-2016. Got a question for Chad? Call (858) 353-8331 or submit your question online