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Mobile & manufactured home loan programs

Choose the program that matches your home and where it will sit. Every program has fixed rates and clear terms, and all are shown with their APR.

Compare programs side by side

Loan program comparison
ProgramBest forAPR as low asMin. downTermsLoan amounts
New Manufactured Home Loans Home only (chattel), new 7.884% 5% 10 years – 25 years $15,000 – $300,000
Pre-Owned Mobile Home Loans Home only (chattel), pre-owned 9.423% 10% 7 years – 20 years $10,000 – $150,000
Mobile Home Park & Community Loans Home only (chattel), new or pre-owned 8.628% 5% 10 years – 20 years $10,000 – $200,000
Land & Home Loans Land & home (real property), new or pre-owned 6.848% 5% 15 years – 30 years $40,000 – $500,000
Mobile Home Refinance Home only (chattel), new or pre-owned 8.167% 20% 10 years – 20 years $15,000 – $250,000

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.

Home-only loan or land-and-home loan?

The biggest choice is whether the land is part of your loan. A home-only (chattel) loan finances just the home, which is how most homes in land-lease communities are financed. A land-and-home loan finances the home and land together as real estate, which usually brings longer terms and lower rates but requires a permanent foundation. Read our chattel loan vs. mortgage guide for a full comparison.

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