Historically, getting a loan on a mobile – or, more accurately, manufactured – home has been more difficult than getting a conventional home.
We offer competitive rates, and work with a variety of mobile home lenders to ensure your loan is as affordable as possible. First class service is our first priority .
February 25, 2017 – FHA mortgage loans are available for much more than just suburban homes or condominiums. FHA loans can also be used to purchase mobile homes, manufactured homes and/or modular homes. Manufactured homes are often sold and transported in sections to be assembled on-site.
But VA loans do not allow this. You have to own or be purchasing the lot as well as the mobile home to be eligible for a VA loan. Manufactured home must be affixed to a permanent foundation. According to the VA lender’s handbook, the manufactured home can’t simply be left on the wheels it was transported on.
Home Equity Loan Options for Mobile Homes Purchasing a mobile home is one method to enter the housing market in an affordable way. Mobile homes are far less expensive than stand-alone single family homes, and because they are manufactured to be moved, mobile homes are often treated as personal property instead of real estate.
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Today’s rates are low, and that’s helping more renters become homeowners. Manufactured housing is an affordable first step to get into the housing market. Get a rate quote for your home loan. No social security number is required to start, and all quotes come with access to your live credit scores.
All FHA loans must have an FHA home inspection completed before closing by a licensed fha inspector that will verify that the home meets HUD standards. One of the benefits of purchasing a new Clayton Built prefabricated home is that all Clayton homes are built to HUD Federal Manufactured Home Construction and Safety Standards.
If you’re a veteran of the U.S. military, you can use your home loan benefit to finance a manufactured or modular home. The VA has many of the same requirements you’ve already read about. For example, the home must sit on a permanent foundation and it must be taxed as real property.