Manufactured Home Loans
Today’s manufactured homes break all the molds, opening the market for buyers to get into a home where they previously could not. Preferred Rate provides a variety of loan programs to support the purchase or refinance of a manufactured home.
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Product highlights
- Conventional, FHA, VA, and USDA loans
- Primary residences and second homes eligible
- Cash-out refinance available
- Similar features to site-built homes
- Specific guidelines by program regarding foundations, roof pitch, garages, etc.
- Single or Double homes
Borrower advantages
- The Manufactured Housing Select program offers a relatively inexpensive way to enter the housing market through the purchase of a manufactured home
- Many loan products available to fit the needs of a buyer
- Construction financing available
Realtor advantages
- Open doors for your clients to an affordable housing option
- Offer a service many other real estate agents cannot by including manufactured properties in your home search
Frequently asked questions
With short and easy to understand answers.
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[email protected]What is a manufactured home loan?
A manufactured housing loan helps buyers purchase or refinance a factory-built home that meets program and property guidelines. These homes offer an affordable path to homeownership without sacrificing quality.
Are manufactured homes a good option?
Yes. Manufactured homes are often a more affordable way to enter the housing market and can be an excellent solution for buyers looking to lower monthly costs.
What loan types are available for manufactured homes?
Preferred Rate offers Conventional, FHA, and VA loan options for manufactured housing, depending on eligibility.
Can I use this loan for a primary residence or second home?
Yes. Manufactured housing loans may be available for primary residences and second homes.
Is refinancing a manufactured home allowed?
Yes — cash-out refinance options may be available, depending on the loan program and property eligibility.
Are construction or renovation options available?
Yes. Construction financing may be available for manufactured homes, allowing buyers to finance the build and placement of the home.
Are manufactured homes different from site-built homes when it comes to financing?
They have specific guidelines related to foundations, roof pitch, and property features, but many buyers are surprised by how accessible financing can be.
Who is this loan best for?
Buyers looking for an affordable housing option, those purchasing in rural or suburban areas, or anyone seeking flexibility without the higher cost of site-built homes.
Why choose Preferred Rate for manufactured housing?
We offer multiple loan options, experienced guidance, and solutions tailored to fit your goals — not a one-size-fits-all approach.
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Loan Programs
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