Mobile home financing guides
Clear, practical answers to help you buy and finance a manufactured home with confidence.
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Chattel Loan vs. Mortgage: Which Fits Your Manufactured Home?
How home-only (chattel) loans and land-and-home mortgages differ in rates, terms, closing costs and requirements, and how to choose.
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How Much Down Payment Do You Need for a Mobile Home?
Typical down payments for new, pre-owned and land-and-home loans, how your down payment changes your rate and payment, and ways to cover it.
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What Credit Score Do You Need for a Mobile Home Loan?
How lenders use your credit score for manufactured home loans, what else they look at, and practical steps to qualify for a better rate.
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How to Finance a Used Mobile Home
Eligibility rules for financing a pre-owned manufactured home, including the June 15, 1976 HUD Code cutoff, title checks and private-seller purchases.
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Manufactured vs. Mobile vs. Modular Homes: What's the Difference?
Plain-English definitions of mobile, manufactured and modular homes, the building codes behind each, and how each is financed.
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FHA, VA and USDA Loans for Manufactured Homes
An overview of government-backed financing for manufactured homes: FHA Title I and Title II, VA and USDA loans, and their main requirements.
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