Manufactured home loans
Built in a factory. Financed like any home.
Double- and multi-wides on land with FHA from 3.5% down, VA at zero for eligible veterans, premium conventional classes for modern models, and land-home packages in one closing.
Program snapshot
Manufactured homes at a glance
- Programs
- FHA, VA, USDA, conventional
- Down payment
- 3.5% FHA / $0 eligible VA
- Terms
- up to 30 years
- Structure
- home on owned land, real title
- Packages
- land + home in one loan
Programs require HUD-code homes on permanent foundations titled as real property; eligibility varies by program and changes without notice. Not an offer or approval.
The most house per dollar deserves a real loan.
Manufactured housing is the affordability play of this market, and we broker the lenders that finance it like they mean it.
3.5%
down on FHA, $0 for eligible VA
Real mortgages, not dealer paper
A manufactured home on land you own, titled as real estate, qualifies for the same government programs as any house: FHA from 3.5% down, VA at zero for eligible veterans, USDA in eligible areas. Same rates' neighborhood, same 30-year terms.
- FHA, VA, USDA, and conventional
- 30-year terms, real-estate pricing
- Double-wides and multi-wides on land
premium
programs for modern models
Today's builds price like site-built
Modern manufactured homes with site-built features, pitched roofs, porches, garages, higher-end finishes, qualify for premium conventional classes priced remarkably close to stick-built loans. The factory part stops costing you.
- Near site-built pricing for qualifying models
- As little as 3-5% down conventional
- New orders from the factory count
1 loan
for the land and the home
Land-home packages
Buying the lot and the home together, or placing a new home on land you already own, closes as one loan: the land, the home, the foundation, and the site work bundled into a single mortgage and payment.
- Lot purchase and home in one closing
- Your existing land's equity counts
- Foundation and site work included
The practical stuff, handled
Foundations, titles, factory orders: the details that decide the rate.
Title and foundation, handled
The difference between chattel pricing and mortgage pricing is usually paperwork: a permanent foundation and converting the title from vehicle to real property. We walk that conversion with you, because it's often worth several points of rate.
Buying new from the factory
Ordering a new home and placing it on land finances like a small construction project: one approval covers the home order, delivery, foundation, and permanent loan. The dealer's financing desk is not your only option, and it's rarely your best one.
Refinances welcome too
Already own a manufactured home with an expensive old loan? If it sits on your land, a refinance into real mortgage pricing may be the biggest single payment cut available to you, and rate-and-term or cash-out both run here.
The honest boundary
Homes in leased-land parks without the land are chattel territory: fewer lenders, higher rates, and select programs only. We'll quote what exists and tell you plainly when owning the dirt changes everything.
Three answers pick your path.
- 1
Tell us home and land
Existing home or new order, land owned or being bought, and how it's titled. Those three answers pick the path.
- 2
We route the program
FHA, VA, USDA, conventional, or premium classes, quoted across lenders that actually like manufactured files.
- 3
Close on a real mortgage
30-year terms and real-estate pricing on a home that costs a fraction of stick-built per square foot.
The quick eligibility check.
- Double- and multi-wides on land
- FHA 3.5% down, VA $0 for eligible veterans
- Premium conventional classes
- Land-home packages
- New factory orders financed
- Refinances, including cash-out
Buying land first and placing the home later? Our land and lot loans hold the ground until you're ready, and short on the down payment, assistance programs pair with FHA here too.
Straight answers
Can I really get a normal mortgage on a manufactured home?
Yes, when the home sits on land you own (or are buying) on a permanent foundation and is titled as real property. Then FHA, VA, USDA, and conventional programs all apply, with 30-year terms and pricing in the same neighborhood as site-built homes.
What's the catch versus a site-built house?
Mostly eligibility details: the home generally needs to be a double-wide or larger, on a permanent foundation, built to HUD code, and usually not previously moved from a prior site. Meet those and the financing looks remarkably ordinary.
What are these premium programs for newer models?
Fannie and Freddie both run classes for manufactured homes with site-built characteristics, think pitched roofs, porches, drywall, garages. Qualifying models get pricing close to stick-built conventional loans with down payments as low as 3-5%. If you're ordering new, we'll tell you which features earn the class.
I own land already. Does that help?
Enormously. Your land's equity can serve as some or all of the down payment on a land-home package, and the whole project, home, delivery, foundation, utilities, closes as one loan.
My home is in a park on leased land. Any options?
Some, honestly fewer. Without owning the land it's chattel lending: select programs, shorter terms, higher rates. We'll quote what's real and tell you how the math changes if buying a lot ever becomes an option.
I'm paying a high rate from the dealer. Can I refinance?
Very possibly, and it's one of the most satisfying refis we do. If the home is on your land and titled as real property (or can be converted), refinancing into mortgage pricing can cut the rate dramatically. The title conversion is paperwork, and we know the path.
Affordable was never the problem. Financing it right was.
Two minutes to send home, land, and title status. No cost, no obligation, and every program that fits, quoted side by side.
Guthix Lending • NMLS# 2672037 · We are not affiliated with or acting on behalf of FHA, HUD, VA, USDA, Fannie Mae, or Freddie Mac. Manufactured home financing generally requires a HUD-code home, typically double-wide or larger, permanently affixed to an approved foundation on land owned or being purchased by the borrower and titled as real property; premium conventional classes require qualifying home features. Chattel and leased-land financing differ materially in availability and terms. Program requirements vary and change without notice. Not all borrowers or homes will qualify. This is not a commitment to lend or an offer of specific terms.