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Find out which Home Lenders have the best loan programs for borrowers financing manufactured homes.

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Modular and Manufactured Home Loans

Find out why thousands of homeowners return to Home Loan Wholesale for modular and manufactured home loans for refinance or purchasing a new home. We will connect you with companies like Bridge that offer both modular and manufactured home loans. HLW understands that there are often many obstacles when it comes to alternative home financing. The fact is that millions of Americans own mobile, modular and manufactured housing units so the need for affordable financing remains a high priority.

  • Manufactured Financing
  • Modular Home Purchase
  • Mobile Home Loans
  • Manufactured Refinancing
  • Modular Home Financing

In most cases, Modular homes range from 1000 to 3,000 square feet, and have the ability to be customized with unique design features. The most popular homes are ranch style homes and cape cod styles.

Is 100% Financing Possible with Manufactured Homes? The short answer is yes. Both FHA and VA provide loan programs for modular and manufactured houses. Ask you loan officer about specific specifications and requirements.

Home Loan Wholesale has years of experience financing mobile and manufactured home loans get the best rate available with good terms at an affordable monthly payment.

Fannie Mae's definition of manufactured housing is "any dwelling unit built on a permanent chassis and attached to a permanent foundation system."

Some of the eligibility requirements include:

  1. Homes must be built in compliance with the Federal Manufactured Home Construction and Safety Standards that were established in 1976.
  2. Homes must be a one-family dwelling legally classified as real property
  3. Homes must be at least 12 feet wide and have a minimum of 600 square feet of gross living area.
  4. Homes must be attached to a permanent foundation system in according with manufacturer's requirements.

Manufactured Home Loan Requirements, Clarifications, and Updates

Fannie Mae's commitment to homeownership involves helping to make lower cost funds available for the purchase of affordable housing. Manufactured homes play an important role in providing affordable housing for many low- and moderate-income borrowers, especially in high-cost or rural areas. Fannie Mae invests in mortgages secured by manufactured housing as part of its mission to expand affordable housing by providing liquidity to a market segment that is crucial to many homebuyers. We remain committed to providing funding for this important segment of the housing market and we do so under terms that offers successful homeownership opportunities for homebuyers while ensuring that mortgages we purchase meet our credit standards.

Fannie Mae recently re-evaluated their manufactured home loan guidelines and credit standards to ensure that they are appropriate and clear. As a result, they are providing additional guidance (including information to help lenders with the unique titling issues related to manufactured homes) to ensure that borrowers continue to have opportunities for long-term homeownership with home financing terms that are appropriately suited for this home loan product.

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