Manufactured home financing without the runaround.

A lot of lenders simply don't touch manufactured homes, so buyers get bounced from bank to bank. We broker the programs that do — FHA, conventional, and VA options for homes titled as real property on a permanent foundation — and if a home won't qualify, we tell you before you spend a dime, in English or Spanish.

Manufactured home with a front porch and yard

Who this is for

How it works

  1. Tell us about the home

    The address, the year it was built, whether it sits on a permanent foundation, and whether the land is owned or rented. Those four things decide which programs are on the table.

  2. Get a straight yes or no

    We check the home against each program's rules — foundation, title, age, and land — and tell you honestly which loans it qualifies for. If none do, we say so and explain why.

  3. Compare the real options

    For qualifying homes we line up FHA, conventional, and VA scenarios side by side so you can see the down payment, rate, and monthly payment of each.

  4. Close like any other home

    Once the loan is picked, the process runs like a standard mortgage — appraisal, underwriting, signing — and we keep you updated the whole way.

Lenders who say yes

Most banks turn manufactured homes away at the door. As a broker, we work with wholesale lenders that actually finance them.

Low-down-payment paths

Qualifying homes can use FHA with 3.5% down or conventional programs — the same kind of financing a site-built home gets.

No wasted application fees

We check foundation, title, age, and land questions upfront, so you don't pay for an appraisal on a home that was never going to qualify.

Bilingual, start to finish

English or Spanish, you work directly with Miguel — every document explained in the language you're most comfortable in.

Today’s sample rates

Common questions

Can I get a regular mortgage on a manufactured or mobile home?

Often, yes — when the home is titled as real property, sits on a permanent foundation, and generally when you own (or are buying) the land under it. Homes like that can use FHA, conventional, and VA financing much like a site-built house. The further a home is from that picture, the fewer the options, which is why we check your specific home first.

What's the difference between a mobile home and a manufactured home?

Mostly the year. Homes built in a factory before June 15, 1976 are 'mobile homes'; homes built after that date under the federal HUD code are 'manufactured homes' and carry a HUD tag. That date matters because most mortgage programs only finance post-1976 HUD-code homes — pre-1976 mobile homes are very hard to finance with a mortgage.

What does my home need to qualify?

The common threads across programs: built after June 1976 with its HUD tags, permanently attached to an approved foundation, titled as real property with the land rather than as a vehicle, and not moved from a previous site (most programs want the home on its original, or only, foundation). Each program adds its own details — tell us about the home and we'll map it against the real rules.

Can you finance a home in a mobile home park or on rented land?

That's the hardest case, and we'd rather tell you straight: when you don't own the land, the home usually can't be titled as real property, so standard mortgage programs are generally off the table and financing tends to run through specialty chattel lenders instead. Call us anyway — if we can't help, we'll say so quickly and point you in the right direction rather than string you along.

How much down payment do I need?

For a qualifying home titled as real property, FHA can go as low as 3.5% down and conventional manufactured-home programs commonly start around 5%. VA can be less for eligible veterans. The exact figure depends on the program and your credit — we'll show you the lowest realistic number for your situation.

Can I refinance a manufactured home I already own?

Yes, if the home qualifies — same tests: HUD-code home, permanent foundation, titled as real property with the land. Owners refinance to lower the rate, pay off a higher-cost chattel loan, or take cash out. If your current loan is a chattel loan, converting to a real-property mortgage can meaningfully cut the rate, and we'll tell you whether the numbers work.

Searched “mobile home loans near me” — do you cover my area?

If you're in California, yes. Miguel's office is in Downey and most of his clients are across Los Angeles County, but he's licensed statewide and handles everything by phone, text, or a short video call — you get a local broker without driving anywhere.

FHA lenders for manufactured homes: check the property first

Not every FHA lender finances manufactured homes or accepts the same property characteristics. For a residential FHA Title II mortgage, the home must meet real-property classification, permanent-foundation and HUD documentation requirements. A listing described as mobile or manufactured is not enough to establish eligibility.

Gather the construction year, HUD label or certification information, title details, whether the land is included or the site is rented, and any available foundation documents. The lender will confirm additional verification needs. Before paying for a specialist inspection, confirm exactly what documentation the program requires.

FHA Title I is a separate program for manufactured homes, lots or both, and can accommodate different ownership structures. Its existence does not mean HCF or any particular lender offers it. A home in a park on rented land or titled as personal property needs a financing-path review before you rely on a residential mortgage quote.