Manufactured homes built after June 15, 1976 and properly affixed to a permanent foundation may qualify for standard mortgage financing.

Key Highlights

• Available for primary residences, second homes, and some investment properties
• FHA, VA, and Conventional options may be available
• Home must meet HUD and lender foundation requirements
• Property must be permanently affixed to the land

Property Requirements

To qualify for most mortgage programs:

• Home must be permanently attachedto a foundation
• Land and home must be titled as real property
• Home must have HUD certification tags
• Mobile homes in parks or leased land typically do notqualify

Down Payment & Terms

• Down payments typically range from 5%–20%
• Loan terms usually range from 15 to 30 years
• Interest rates may be slightly higher than site-built homes

Important Notes

Manufactured home financing is more restrictive than traditional housing. Eligibility depends heavily on the home’s age, foundation type, location, and condition. Not all lenders offer manufactured home loans, and guidelines vary by program.