Can I get a mortgage for a manufactured home?

Yes, you can get a mortgage for a manufactured home if you own (or are buying) the land it sits on and the home is permanently affixed to a foundation. Here is how: 1) Conventional manufactured mortgage — 5% down, 640+ credit, 30-year term, rates from 6.125%. The home must be permanently affixed, meet HUD standards, and be classified as real property (not personal property). 2) FHA manufactured home loan — 3.5% down, 580+ credit, 30-year term, rates from 6.000%. The home must be built after 1976, have a HUD tag, and be on a permanent foundation. 3) VA manufactured home loan — 0% down, 580+ credit, 30-year term, rates from 6.000%. Must be an eligible veteran with COE. 4) USDA manufactured home loan — 0% down, 640+ credit, 30-year term, rural areas only. 5) Requirements for a mortgage (vs chattel): a) You must own the land (or be buying it with the home), b) The home must be permanently affixed to a foundation, c) The title must be converted from personal property to real property, d) The home must meet HUD standards (built after 1976 with HUD tag), e) The home must be at least 400 square feet. 6) Best lenders for manufactured home mortgages: New American Funding (FHA/VA/conventional, 580+ credit), Guaranteed Rate (conventional, 640+ credit), and CrossCountry Mortgage (FHA/VA/conventional, 580+ credit).

What is the difference between a manufactured home mortgage and a chattel loan?

The difference between a manufactured home mortgage and a chattel loan is significant and affects your rate, term, and total cost: 1) MANUFACTURED HOME MORTGAGE — a real estate loan secured by both the home and the land it sits on. Requirements: you must own the land, the home must be permanently affixed to a foundation, and the title must be converted to real property. Rates: 6.000-6.500% APR. Terms: up to 30 years. Down payment: 3.5% (FHA) to 5% (conventional). Benefits: lower rates, longer terms, standard mortgage protections, mortgage interest tax deduction, and builds equity in land + home. 2) CHATTEL LOAN — a personal property loan secured only by the home (not the land). Used when you do NOT own the land (leased lot in a mobile home park). Rates: 7.250-8.500% APR (1-2% higher than mortgage). Terms: 20-25 years (shorter than mortgage). Down payment: 5-10%. Benefits: no land ownership required, easier qualification, faster approval. Drawbacks: higher rates, shorter terms, no mortgage interest tax deduction (in most cases), and does not build land equity. 3) Cost comparison on a $100K double-wide over 30 years: Mortgage at 6.125% = $609/month, $119,240 total interest. Chattel at 7.500% (25yr) = $739/month, $121,700 total interest. The mortgage saves $130/month and $2,460 in interest (and you get 5 more years to pay). 4) When to use which: Own land → mortgage (lower rate, longer term). Leased land (mobile home park) → chattel loan (only option). Buying land with home → mortgage (buy land + home together).

Can I get an FHA loan for a manufactured home?

Yes, you can get an FHA loan for a manufactured home. FHA Title I loans and FHA Title II loans both cover manufactured homes: 1) FHA Title II (most common) — this is a standard FHA mortgage for a manufactured home on land you own. Features: 3.5% down payment, 580+ credit score, 30-year fixed rate, loan amounts up to $806,500 (conforming limit), MIP required (1.15% upfront + 0.55% annual for 30yr). The home must be: built after 1976, have a HUD tag/label, permanently affixed to a foundation, classified as real property, and at least 400 square feet. 2) FHA Title I — this is a personal property loan (chattel) for a manufactured home on leased land. Features: 5% down, 580+ credit, up to 25-year term, loan amounts up to $92,904 (home only) or $144,968 (home + lot). Higher rates than Title II. 3) Best FHA manufactured home lenders: New American Funding (FHA Title II, 580+ credit, 3.5% down, experienced with manufactured homes), CrossCountry Mortgage (FHA Title II, 580+ credit, 3.5% down), and eLEND (FHA manufactured, 620+ credit). 4) Requirements: a) Home built after 1976 with HUD tag, b) Permanent foundation (engineered foundation certification required), c) You own the land (Title II) or lease the lot (Title I), d) Home is your primary residence, e) Property meets FHA minimum property standards. 5) MIP — FHA requires MIP for the life of the loan (30 years). On a $100K loan, MIP costs approximately $55/month ($660/year). This is the main drawback of FHA vs conventional (where PMI can be cancelled).

Can I get a VA loan for a manufactured home?

Yes, you can get a VA loan for a manufactured home. VA loans can be used for manufactured homes that are permanently affixed to land you own. Here is how: 1) VA manufactured home loan features — 0% down payment (no down payment required), 580+ credit score (lender-dependent, VA does not set minimum), 30-year fixed rate, loan amounts up to $806,500 (conforming limit, no limit with full entitlement), no PMI (funding fee only: 2.3% upfront for first-time use, can be financed into loan), and VA-insured (government-backed). 2) Requirements — a) Must be an eligible veteran with Certificate of Eligibility (COE), b) Home must be built after 1976 with HUD tag, c) Home must be permanently affixed to a foundation on land you own, d) Home must be classified as real property, e) Home must be your primary residence, f) Must meet VA minimum property requirements (MPR). 3) Best VA manufactured home lenders: New American Funding (VA manufactured, 580+ credit, 0% down, experienced), and CrossCountry Mortgage (VA manufactured, 580+ credit, 0% down). 4) VA vs FHA for manufactured homes: VA — 0% down, no PMI, 580 credit. FHA — 3.5% down, MIP for life, 580 credit. VA is significantly better if you are eligible (no down payment and no monthly mortgage insurance). 5) VA funding fee — 2.3% upfront for first-time use (can be financed into the loan, so no out-of-pocket cost). On a $100K loan, the funding fee is $2,300 (financed, so loan becomes $102,300). Exempt for veterans with 10%+ disability rating.

What credit score do I need for a manufactured home loan?

The minimum credit score for a manufactured home loan depends on the loan type and lender: 1) FHA manufactured home — 580 minimum (3.5% down). Below 580, 10% down required (500-579). Best lenders: New American Funding, CrossCountry Mortgage. 2) VA manufactured home — 580 minimum (0% down). VA does not set a minimum, but lenders typically require 580+. Best lenders: New American Funding, CrossCountry Mortgage. 3) Conventional manufactured mortgage — 640 minimum (5% down). Best lenders: Guaranteed Rate, Rocket Mortgage, Wells Fargo, U.S. Bank. 4) Chattel loan — 580 minimum (5% down). Best lenders: 21st Mortgage, Triad Financial, Vanderbilt Mortgage. 5) USDA manufactured home — 640 minimum (0% down, rural areas). 6) Summary: 580+ (FHA, VA, chattel), 620+ (eLEND), 640+ (conventional, USDA). For the best rates (6.000%), aim for 640+ credit. With 580-639 credit, you can still get FHA or VA loans at 6.000%, but conventional loans require 640+.

Can I finance a manufactured home on leased land?

Yes, you can finance a manufactured home on leased land (in a mobile home park), but you cannot get a traditional mortgage. Instead, you need a chattel loan (personal property loan). Here is how: 1) Chattel loan — a chattel loan is a personal property loan secured by the manufactured home only (not the land). It is used when you own the home but lease the lot in a mobile home park. Features: 5-10% down payment, 580+ credit, 20-25 year term, rates from 7.250-8.500% APR, loan amounts up to $200,000. 2) Best chattel lenders: 21st Mortgage (7.250% starting rate, 580+ credit, up to $200K, experienced with park homes), Triad Financial Services (7.500% starting rate, 580+ credit, up to $200K), and Vanderbilt Mortgage (7.250% starting rate, 580+ credit, up to $200K). 3) Why chattel rates are higher — chattel loans are riskier for lenders because the home is personal property (not real estate), and if you default, the lender must repossess the home (like a car) rather than foreclose (like a house). The higher rate compensates for this risk. 4) Alternatives to chattel: a) Buy the land — if you can buy the lot, you can get a mortgage (lower rate, longer term). b) Move the home to land you own — transport the home to your own land and get a mortgage. c) Rent-to-own — some parks offer rent-to-own on the lot. d) Cooperative — some manufactured home communities are resident-owned cooperatives where you buy a share. 5) Best strategy: if possible, buy the land with the home to get a mortgage (6.000% vs 7.250% chattel — saves $150/month on a $100K loan).

How much down payment do I need for a manufactured home?

The down payment for a manufactured home depends on the loan type: 1) VA manufactured home — 0% down (no down payment required). On a $100K double-wide, 0% down = $0. Best for eligible veterans. 2) FHA manufactured home — 3.5% down (580+ credit) or 10% down (500-579 credit). On a $100K double-wide, 3.5% down = $3,500. 3) USDA manufactured home — 0% down (rural areas, income limits). On a $100K double-wide, 0% down = $0. 4) Conventional manufactured mortgage — 5% down (640+ credit). On a $100K double-wide, 5% down = $5,000. 5) Fannie Mae MH Advantage — 3% down (620+ credit, approved homes only). On a $100K double-wide, 3% down = $3,000. 6) Freddie Mac HomePossible — 3% down (620+ credit, low-income). On a $100K double-wide, 3% down = $3,000. 7) Chattel loan — 5-10% down (580+ credit). On a $100K double-wide, 5% down = $5,000. 8) Summary: 0% down (VA, USDA), 3% down (Fannie MH Advantage, Freddie HomePossible), 3.5% down (FHA), 5% down (conventional, chattel), 10% down (FHA below 580 credit). Best option for lowest down payment: VA (0%) or USDA (0%) if eligible, FHA (3.5%) if not.

Can I refinance a manufactured home mortgage?

Yes, you can refinance a manufactured home mortgage. Refinancing options depend on your current loan type and whether you own the land: 1) FHA streamline refinance — if you currently have an FHA manufactured home loan, you can refinance with the FHA streamline program. No appraisal required, no income verification, minimum credit score varies by lender. Rates from 6.000%. Must have on-time payments for last 12 months. 2) VA IRRRL (Interest Rate Reduction Refinance Loan) — if you currently have a VA manufactured home loan, you can refinance with the VA IRRRL. No appraisal, no income verification, 580+ credit. Rates from 6.000%. 3) Conventional refinance — if you have a conventional manufactured mortgage (or want to refinance out of FHA/chattel into conventional), you can refinance with a conventional loan. 640+ credit, 5% equity (20% to avoid PMI). Rates from 6.125%. 4) Chattel-to-mortgage conversion — if you currently have a chattel loan and have since bought the land, you can refinance into a conventional mortgage. This converts the home from personal property to real property and typically lowers your rate by 1-2%. 5) Cash-out refinance — you can do a cash-out refinance on a manufactured home mortgage to access equity for home improvements, debt consolidation, or other needs. Max LTV is typically 80% for conventional, 85% for FHA, 90% for VA. 6) Best manufactured home refinance lenders: New American Funding (FHA streamline, VA IRRRL, conventional refinance), Guaranteed Rate (conventional refinance), and 21st Mortgage (chattel refinance). 7) When to refinance: if current rate is 7%+ and you can get 6%, on a $100K loan you save $67/month ($804/year). Closing costs are typically $2,000-$5,000, so break-even is 2.5-6 years.

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MORTGAGE22 min read2026-08-15

Marcus Reid

Mortgage Strategist & HELOC Specialist · NMLS #1985623, CRMP

Mortgage for Manufactured Home 2026: Top 10 Lenders Compared (Mobile Home Financing)

Rates Updated: June 27, 2026

Manufactured homes are the most affordable path to homeownership in America. In 2026, the average new manufactured home costs $88,200 for a single-wide and $159,000 for a double-wide — compared to $412,000 for a site-built home. Over 22 million Americans live in manufactured homes, and 100,000+ new ones are purchased each year. Financing a manufactured home is different from a traditional mortgage: you can get a conventional mortgage (if the home is permanently affixed to land you own), an FHA manufactured home loan (3.5% down, 580 credit), a VA manufactured home loan (0% down, 580 credit), or a chattel loan (personal property loan for homes on leased land). In 2026, manufactured home mortgage rates start at 6.000-7.500% APR, with loan amounts up to $806,500 and terms up to 30 years. We compared the top 10 manufactured home mortgage lenders and ranked them based on starting rate, down payment, credit flexibility, loan type (mortgage vs chattel), and special features. Whether you are buying a $50K single-wide or a $200K double-wide on your own land, this guide covers every option available for manufactured home financing in 2026. [cta:Compare today's best manufactured home mortgage rates|mortgage]

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Top 10 Manufactured Home Mortgage Lenders 2026: Side-by-Side Comparison

We compared the 10 best manufactured home lenders across 7 critical factors: starting rate, min down payment, min credit score, loan type, max loan amount, max term, and special features.

For manufactured homes, loan type (mortgage vs chattel) and whether you own the land are the most critical factors. Compare manufactured home lenders

Rank	Lender	Starting Rate	Min Down Payment	Min Credit	Loan Type	Max Loan	Get Started
1	New American Funding	6.000%	3.5% (FHA) / 0% (VA)	580	FHA/VA/Conventional mortgage	$806,500	Get manufactured home mortgage
2	Guaranteed Rate	6.125%	5%	640	Conventional mortgage	$806,500	Get manufactured home mortgage
3	Rocket Mortgage	6.125%	5%	640	Conventional mortgage	$806,500	Get manufactured home mortgage
4	21st Mortgage	7.250%	5%	580	Chattel + mortgage	$200,000	Get manufactured home mortgage
5	Triad Financial Services	7.500%	5%	580	Chattel + mortgage	$200,000	Get manufactured home mortgage
6	Vanderbilt Mortgage	7.250%	5%	580	Chattel + mortgage	$200,000	Get manufactured home mortgage
7	Wells Fargo	6.250%	5%	640	Conventional mortgage	$806,500	Get manufactured home mortgage
8	U.S. Bank	6.250%	5%	640	Conventional mortgage	$806,500	Get manufactured home mortgage
9	CrossCountry Mortgage	6.125%	3.5% (FHA) / 0% (VA)	580	FHA/VA/Conventional mortgage	$806,500	Get manufactured home mortgage
10	eLEND	6.500%	5%	620	Conventional + FHA mortgage	$806,500	Get manufactured home mortgage

Best Lenders for Mortgage for Manufactured Home

Nov 1

Rocket MortgageBEST RATE

Best online experience

5.750%

Min credit: 620

Better.com

No lender fees

5.625%

Min credit: 620

Veterans United

Best for VA loans

5.500%

Min credit: 580

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Best Manufactured Home Lenders by Category 2026

Different manufactured home situations require different lenders. Here are the best by category.

Match your manufactured home situation to the best lender for optimal rates and terms. Find your best manufactured home lender

Category	Best Lender	Why They Win	Key Advantage	Get Started
Best for FHA manufactured home (3.5% down)	New American Funding / CrossCountry	3.5% down, 580 credit, FHA-insured	Lowest down payment (FHA)	Get FHA manufactured home
Best for VA manufactured home (0% down)	New American Funding / CrossCountry	0% down, 580 credit, VA-insured	No down payment (VA)	Get VA manufactured home
Best for conventional mortgage (own land)	Guaranteed Rate / Rocket Mortgage	5% down, 640 credit, conventional mortgage	Best conventional rate	Get conventional manufactured
Best for chattel loan (leased land)	21st Mortgage / Vanderbilt Mortgage	Chattel loans for leased-land homes	Chattel specialists	Get chattel loan
Best for lowest rate	New American Funding	6.000% starting rate	Lowest manufactured rate	Get low rate manufactured
Best for low credit (580+)	New American Funding / CrossCountry / 21st Mortgage / Triad / Vanderbilt	580 min credit score	Flexible credit	Get 580 credit manufactured
Best for double-wide on owned land	Guaranteed Rate / Rocket Mortgage / Wells Fargo	Conventional mortgage, $806K max	Mortgage on double-wide	Get double-wide mortgage
Best for single-wide on leased land	21st Mortgage / Triad / Vanderbilt	Chattel loans, single-wide accepted	Single-wide chattel	Get single-wide loan
Best for new manufactured home	New American Funding / Guaranteed Rate	New construction manufactured financing	New home financing	Get new manufactured
Best for used/refinance manufactured	21st Mortgage / Vanderbilt / Triad	Experienced with used manufactured refinance	Refinance specialists	Get manufactured refinance

Manufactured Home Mortgage vs Chattel Loan vs Other Options 2026

The type of financing depends on whether you own the land and how the home is classified. Here is a complete comparison.

Mortgages offer lower rates and longer terms but require land ownership. Chattel loans are for homes on leased land. Compare manufactured financing

Financing Option	Starting Rate	Min Down Payment	Min Credit	Max Term	Land Required	Key Pros	Key Cons	Get Started
Conventional manufactured mortgage	6.125%	5%	640	30 years	Yes (must own land)	Lowest rate, 30yr term, standard mortgage	Must own land, home must be permanently affixed	Get conventional manufactured
FHA manufactured home loan	6.000%	3.5%	580	30 years	Yes (must own or lease for 3+ years)	Low down payment, low credit, FHA-insured	MIP required, must meet FHA standards	Get FHA manufactured
VA manufactured home loan	6.000%	0%	580	30 years	Yes (must own or lease)	0% down, no PMI, VA-insured	VA eligibility required, limited lenders	Get VA manufactured
Chattel loan (personal property)	7.250%	5%	580	20-25 years	No (leased land OK)	No land required, easier qualification	Higher rate, shorter term, not a mortgage	Get chattel loan
USDA manufactured home loan	6.000%	0%	640	30 years	Yes (rural areas)	0% down, no PMI, rural	Rural areas only, income limits	Get USDA manufactured
Fannie Mae MH Advantage	6.125%	3%	620	30 years	Yes (must own land)	3% down, conventional standards	Must be MH Advantage-approved home	Get MH Advantage
Freddie Mac HomePossible	6.125%	3%	620	30 years	Yes (must own land)	3% down, low-income program	Income limits, must meet standards	Get HomePossible
Personal loan (for small manufactured)	6.99%	0%	560	12-144 months	No	No land required, fast funding	Higher rate, shorter term, lower max ($100K)	Get personal loan manufactured

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Manufactured Home Loan Costs by Home Type 2026

Different manufactured home types have different costs. Here is a breakdown of common scenarios.

Use this table to estimate your down payment, loan amount, and monthly payment. Calculate your manufactured home payment

Manufactured Home Type	Average Cost (2026)	Down Payment (5%)	Loan Amount	Monthly Payment (30yr at 6.125%)	Get Started
Single-wide (900 sqft, basic)	$50,000-$80,000	$3,250	$61,750	$374/mo	Get single-wide mortgage
Single-wide (upgraded)	$70,000-$100,000	$4,250	$80,750	$489/mo	Get upgraded single-wide
Double-wide (1,600 sqft)	$120,000-$180,000	$7,500	$142,500	$863/mo	Get double-wide mortgage
Double-wide (upgraded, 2,000 sqft)	$150,000-$220,000	$9,250	$175,750	$1,065/mo	Get upgraded double-wide
Triple-wide (2,200+ sqft)	$180,000-$280,000	$11,500	$218,500	$1,324/mo	Get triple-wide mortgage
Luxury manufactured (2,500+ sqft)	$200,000-$350,000	$13,750	$261,250	$1,583/mo	Get luxury manufactured
Manufactured + land (single-wide + 1 acre)	$100,000-$150,000	$6,250	$118,750	$720/mo	Get manufactured + land
Manufactured + land (double-wide + 2 acres)	$180,000-$280,000	$11,500	$218,500	$1,324/mo	Get double-wide + land
Used manufactured home (10yr old double-wide)	$80,000-$120,000	$5,000	$95,000	$576/mo	Get used manufactured
Manufactured home refinance	Existing balance	0%	Existing balance	Lower payment at new rate	Get manufactured refinance

How to Get a Mortgage for a Manufactured Home: Step-by-Step Guide

Getting a manufactured home mortgage requires understanding the specific requirements. Here is a step-by-step guide.

The key: own the land, ensure the home meets HUD standards, and choose a lender experienced with manufactured homes. Get your manufactured home mortgage

Step 1: Determine if you own or will buy land — a mortgage (vs chattel) requires you to own the land or buy it with the home. If you are in a park with leased land, you need a chattel loan instead
Step 2: Choose your manufactured home — new or used, single-wide or double-wide. Ensure it meets HUD standards (HUD tag/label required for all manufactured homes built after 1976)
Step 3: Ensure the home will be permanently affixed — for a mortgage, the home must be permanently attached to a foundation on land you own. This means: proper foundation, tiedowns, utilities connected, and title converted from personal property to real property
Step 4: Check your credit score — FHA requires 580+, conventional requires 640+. Aim for 640+ for the best rates
Step 5: Calculate your DTI — most lenders require DTI below 43-50% including the manufactured home payment
Step 6: Save for down payment — FHA: 3.5% down, VA: 0% down, conventional: 5% down, chattel: 5% down. On a $150K double-wide, 3.5% = $5,250, 5% = $7,500
Step 7: Gather documentation — ID, proof of income (2yr W-2s, 30 days pay stubs), 2 months bank statements, manufactured home purchase agreement, HUD tag/label number, foundation certification
Step 8: Apply with 3+ manufactured home lenders from our top 10 — compare rate, down payment, loan type, and manufactured home experience
Step 9: Choose the best lender — New American Funding (FHA 3.5% / VA 0% down, 580 credit), Guaranteed Rate (conventional 5% down, 640 credit), or 21st Mortgage (chattel for leased land)
Step 10: Close and move in — manufactured home mortgages typically close in 30-45 days. The home is delivered, installed on the foundation, utilities connected, and you receive the keys

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Today's Best Mortgage Rates

Updated November 1, 2026

Lender	Rate	APR	Fees	Best For	Action
Veterans United	5.500%	5.641%	$0	VA loan specialist	Check Rate
Navy Federal CU	5.500%	5.628%	$0	No PMI, military only	Check Rate
Better.com	5.625%	5.765%	$0	No lender fees	Check Rate
New American Funding	5.625%	5.780%	$1,095	FHA specialist, fast closing	Check Rate
Rocket Mortgage	5.750%	5.890%	$1,295	Best online experience	Check Rate
CrossCountry Mortgage	5.750%	5.895%	$1,500	Non-QM, complex files	Check Rate

Rates shown are illustrative. Actual rates vary by credit score, location, and loan details.

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Marcus Reid NMLS #1985623, CRMP

Mortgage Strategist & HELOC Specialist

NMLS #1985623 and CRMP. Former HELOC division manager at PNC Bank ($2B portfolio). 11+ years in home equity lending. Featured on CNBC.

View all articles → LinkedIn

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Mortgage for Manufactured Home 2026: Top 10 Lenders Compared (Mobile Home Financing)

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Top 10 Manufactured Home Mortgage Lenders 2026: Side-by-Side Comparison

Best Lenders for Mortgage for Manufactured Home

Best Manufactured Home Lenders by Category 2026

Manufactured Home Mortgage vs Chattel Loan vs Other Options 2026

Get Matched with Top Lenders Instantly

Manufactured Home Loan Costs by Home Type 2026

How to Get a Mortgage for a Manufactured Home: Step-by-Step Guide

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Today's Best Mortgage Rates

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