Manufactured Home Loans

What is a Manufactured Home Loan?

Manufactured home loans are designed for factory-made homes built on a permanent chassis, and generally come in single or two-section units. This option offers various types of loans for homebuyers: FHA, VA, and conventional loans.

What Are the Advantages of a Manufactured Home Loan?

They may be small homes, but don’t be fooled – they come with big benefits. If you’re considering a ditech manufactured home loan, these are some of the advantages:

  • Manufactured home loan rates are affordable
  • You can choose between a conventional, FHA, or VA loan
  • Down payment options as low as 3.5% for FHA and 5% for conventional
  • Manufactured homes are environmentally friendly

The Requirements of a Manufactured Home Loan

To find out if a property qualifies for a manufactured home loan, it makes sense to seek the advice from a lender, like us. But here are some general guidelines:

  • The home was built on or after June 15, 1976
  • Has no wheels and is designed as a single-family dwelling
  • Has a minimum of 400 sq. ft. for an FHA mortgage
  • Has a minimum of 600 sq. ft. for a conventional loan
  • Is permanently affixed to the property site for more than 12 months
  • You have a credit score of at least 580 for an FHA or 620 for a conventional
    (Other restrictions may apply, depending upon product and State.)

If you like small home living, or If you’re a renter and want to take the first step to homeownership, a manufactured home loan could be right up your alley.

Home Loan Specialist can give you more information on manufactured home loan rates and whether this loan is the right option for you.

Current Loan Rates
Program Rate APR
15 Year Fixed 3.5% 3.734%
FHA 30 Year Fixed 3.375% 4.733%
30 Year Fixed 3.99% 4.166%
About these rates

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*Sunday Hours: Home Loan Specialists available for new loan applications only. Associates are not available for questions about existing accounts or applications in progress.

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