Financing made for manufactured and mobile homes

Not all lenders understand the unique requirements of factory-built housing but we do. Whether you’re financing a manufactured home on leased land, purchasing a modular home with land included, or refinancing an existing mobile home loan, we offer solutions designed for your path to ownership.

Haven provides flexible options for a wide range of property types, including single- and multi-section homes, homes on permanent foundations, and land-home packages. We’ll walk you through the requirements, explain your loan choices in plain language, and make the process feel clear and achievable – even if you’ve been turned down elsewhere.

What are manufactured home loans?

Manufactured Home Loans are mortgage options designed for factory-built housing, including manufactured homes built to HUD standards and modular homes assembled off-site. These homes are transported to the land where they’ll be placed and often require unique financing considerations.

Because factory-built homes differ from traditional construction, lenders look at key details like whether the home sits on a permanent foundation, the year it was built, and whether the loan includes the land. That’s why specialized mobile and loans for manufactured homes exist – to ensure financing aligns with the structure, property type, and your goals.

This loan type can be used to:

• Purchase a new or used manufactured home
• Combine the home and land into one mortgage
• Refinance an existing loan on a manufactured or mobile home

At Haven, we work with a variety of loan programs, including FHA, VA, and conventional options to help you secure a competitive fixed-rate loan with terms that match your needs. Whether you’re buying your first home or refinancing one you love, we’ll help you understand your options and make the process feel simple and stress-free.

Key benefits of our manufactured home loan program

• Competitive interest ratesOur financing options for manufactured homes offer rates comparable to traditional mortgages. Gone are the days when mobile home loans meant inflated rates. If you qualify, you can lock in a low, fixed interest rate – keeping your payment stable and affordable over time.
• Flexible qualification requirementsManufactured and modular homes shouldn’t require perfect credit. That’s why our programs feature flexible credit and income standards. We look at your entire financial picture first, and in some cases government-backed options like FHA may allow qualification even with lower credit scores.
• Finance home and land togetherNeed both the home and the land? No problem. Our alternative home loans let you finance both in one package – often called a land-home combo. One application, one closing, one monthly payment. It’s a simple way to set up your home and get settled without juggling multiple loans.
• Refinancing options availableAlready own a manufactured home? We can help you refinance, whether you want a better rate, lower monthly payment, or cash out. If you started with a high-rate chattel loan, we may be able to refinance you into a mortgage with better terms. We offer the same refinancing benefits to manufactured homeowners as anyone else.
• Fast and simple approval processFinancing for mobile homes doesn’t need to be complicated. We specialize in these loan types, so we’ll walk you through every step. From checking property eligibility (year, size, foundation) to helping you gather documents, we move quickly and clearly. Our streamlined process helps avoid delays and red tape so you can move forward with confidence.

Who should consider a manufactured home loan?

Getting financing for manufactured and mobile homes can be a great option for:

• First-time homebuyers on a budgetIf you’ve found a manufactured or modular home that fits your price range, our loans can make buying it possible with a low down payment and affordable monthly payments. Many first-time buyers choose manufactured homes for their value and we support that choice with accessible financing for manufactured homes.
• Downsizers and retireesIf the kids are grown and you no longer need a large house, a manufactured home can offer cozy, single-floor living without sacrificing comfort. Our mobile home loans help retirees transition into affordable homes while freeing up cash from the sale of a previous property.
• Rural and land ownersOwn or inherit land? We can help you set up a manufactured home on it, financing both the home and site improvements in one package. Manufactured homes are popular in many rural areas, and we offer options like FHA and USDA loans for qualifying properties.
• Homeowners seeking affordabilityManufactured and modular homes typically cost less per square foot than site-built homes. With our flexible mobile home financing options – including FHA loans with as little as 3.5% down or even $0 down for eligible VA borrowers – homeownership becomes far more attainable.
• Owners of older manufactured homesIf you already own a manufactured home and want to refinance or borrow against it, we may still be able to help – even if the home is older. While most lenders require homes built after 1976 (when HUD standards began) and often prefer double-wide models, we’ll evaluate your unique situation. Don’t assume you’re out of options just because your home isn’t brand new.

Not sure if this is the right fit?

We can also help you explore cash-out refinance options, FHA cash-out loans for manufactured homes, or home equity solutions if you already own your property.

Steps to secure your manufactured home loan

Financing a manufactured or modular home with Haven is straightforward. Here’s what to expect:

• Pre-qualification and property checkWe start by reviewing your income, credit, and the home details. Whether it’s new or existing, on land you own or plan to buy, we’ll recommend the best loan program (FHA, VA, or conventional) and flag any key requirements – like foundation type or build year. If eligible, you’ll receive a pre-qualification letter so you can move forward with confidence.
• Application & paperworkOnce you’re ready, we’ll walk you through the loan application. You’ll provide standard documents (income, assets, ID), and we’ll gather home info from the seller or dealer if needed. For refinances, we may verify title or real property status. Don’t worry – we’re here to keep it simple and guide you through each step.
• Appraisal & underwritingAn appraisal will confirm the home’s value and condition. Meanwhile, our underwriters review your finances. If there are credit or income challenges, we look for solutions – not reasons to say no. Our goal is a clear, confident approval.
• Closing & move-InOnce approved, we schedule your closing. If it’s a purchase, the loan covers both the home and land (if applicable), and you’re set to move in or arrange delivery. For refinances, your old loan is paid off, and any cash-out funds are released shortly after closing.

From start to finish, we make financing your manufactured home feel as easy as any other mortgage.

Why choose Haven for your manufactured home loan?

When it comes to manufactured home financing, you need a lender that knows the space.

At Haven, we specialize in loans for factory-built homes and we’ve helped thousands of homeowners do what most banks can’t.

• Deep expertise in manufactured loansMany lenders shy away from manufactured or modular home financing. We lean in. Whether it’s title conversion, land-home packages, or foundation rules, our team understands the nuances that often stop other banks in their tracks. We know how to navigate lender overlays and get your loan across the finish line, even if it’s a single-wide or older home.
• Human service, not just a loan quoteWe know this process can be confusing, especially if you’ve heard manufactured home loans are “hard.” We’ll walk you through it, explain the why behind each step, and make the process feel doable, not daunting. We treat every homeowner with patience and respect, no matter your credit history or loan size.
• FHA, VA, USDA & conventional optionsWe offer a full range of manufactured home loan options under one roof. That means we can explore zero-down VA loans, USDA loans for rural buyers, flexible FHA programs, or conventional options that avoid insurance. We don’t steer you toward a single product – we help you find what actually fits.
• Honest advice, affordable paymentsHaven is built around one core belief: homeowners deserve freedom from unnecessary debt. That means no hidden fees, fair rates, and clear answers about costs, insurance, and payments. We’ll help you understand the full picture and set you up to succeed long after closing.
• Local Insight, nationwide reachWe work with borrowers in dozens of states from Florida to California but we approach every loan with a local mindset. We know where manufactured homes are common, which lenders are flexible, and how to tailor your loan to your market.

Get a manufactured home loan your way

Your path to affordable homeownership starts here. Whether you’re financing a manufactured or modular home, Haven makes the application process simple and clear.

Don’t let anyone tell you it can’t be done, especially when it comes to manufactured home mortgages. We’ve helped countless buyers (and refinancers) access options they didn’t think were available.

Our loan specialists understand how to turn complex situations into practical solutions. If you’re exploring your first manufactured home loan, or want to access equity from the one you already own, we’re ready to help you move forward.