Today's mobile home loan rates
Current fixed rates and APRs for our manufactured home loan programs. Rates as of October 8, 2026.
| Program | APR as low as | Interest rate as low as | Min. down | Terms | Example monthly payment |
|---|---|---|---|---|---|
| New Manufactured Home Loans | 7.884% | 7.75% | 5% | 10 years – 25 years | $628.03 for 240 mo. |
| Pre-Owned Mobile Home Loans | 9.423% | 9.25% | 10% | 7 years – 20 years | $743.59 for 180 mo. |
| Mobile Home Park & Community Loans | 8.628% | 8.49% | 5% | 10 years – 20 years | $663.40 for 240 mo. |
| Land & Home Loans | 6.848% | 6.75% | 5% | 15 years – 30 years | $496.18 for 360 mo. |
| Mobile Home Refinance | 8.167% | 8.00% | 20% | 10 years – 20 years | $609.23 for 180 mo. |
Representative examples
"As low as" rates and the examples below assume the Excellent credit tier (720+), the program's default down payment and default term. Your rate depends on your credit, the home and your down payment.
- New Manufactured Home Loans: Example: a $85,000 purchase price with $8,500 down (10%) is a loan amount of $76,500, repaid in 240 monthly payments of $628.03 (final payment $625.43) at a 7.75% fixed interest rate, 7.884% APR. The APR includes $765.00 in prepaid finance charges. Payment shown is principal and interest only and does not include taxes, insurance or lot rent.
- Pre-Owned Mobile Home Loans: Example: a $85,000 purchase price with $12,750 down (15%) is a loan amount of $72,250, repaid in 180 monthly payments of $743.59 (final payment $744.26) at a 9.25% fixed interest rate, 9.423% APR. The APR includes $722.50 in prepaid finance charges. Payment shown is principal and interest only and does not include taxes, insurance or lot rent.
- Mobile Home Park & Community Loans: Example: a $85,000 purchase price with $8,500 down (10%) is a loan amount of $76,500, repaid in 240 monthly payments of $663.40 (final payment $663.81) at a 8.49% fixed interest rate, 8.628% APR. The APR includes $765.00 in prepaid finance charges. Payment shown is principal and interest only and does not include taxes, insurance or lot rent.
- Land & Home Loans: Example: a $85,000 purchase price with $8,500 down (10%) is a loan amount of $76,500, repaid in 360 monthly payments of $496.18 (final payment $493.13) at a 6.75% fixed interest rate, 6.848% APR. The APR includes $765.00 in prepaid finance charges. Payment shown is principal and interest only and does not include taxes, insurance or lot rent.
- Mobile Home Refinance: Example: a $85,000 purchase price with $21,250 down (25%) is a loan amount of $63,750, repaid in 180 monthly payments of $609.23 (final payment $608.52) at a 8.00% fixed interest rate, 8.167% APR. The APR includes $637.50 in prepaid finance charges. Payment shown is principal and interest only and does not include taxes, insurance or lot rent.
Rates, APRs and terms are subject to change without notice and are subject to credit approval, home eligibility and verification. Payments shown are estimates of principal and interest only and do not include property taxes, insurance, lot rent or other fees, so your actual payment will be higher. This is not a commitment to lend. All loans are fixed-rate.
How credit affects your rate
Rates above are for our best credit tier. Here's how each credit range adjusts the rate for any program:
| Credit tier | Score range | Rate adjustment |
|---|---|---|
| Excellent | 720+ | -0.50 pts |
| Good | 680–719 | Base rate |
| Fair | 620–679 | +1.25 pts |
| Building credit | 580–619 | +2.75 pts |
See the effect on your payment with the mobile home loan calculator.
Why manufactured home rates differ from mortgage rates
Most manufactured homes are financed with home-only (chattel) loans, where the home is personal property rather than real estate. Because the land isn't part of the collateral, chattel rates are typically higher than traditional mortgage rates. A land-and-home loan, where the home sits on a permanent foundation on land you own, usually qualifies for lower rates and longer terms.
How to get a lower rate
- Make a larger down payment.
- Choose a shorter term if the payment fits your budget.
- Check your credit report for errors before you apply.
- Consider a newer home or a land-and-home loan if you own land.
Ready to see what you qualify for?
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