Manufactured homes offer an affordable and flexible alternative to traditional site-built homes. These homes are constructed off-site in a factory and permanently placed on a designated property. Built to meet stringent HUD (U.S. Department of Housing and Urban Development) standards, manufactured homes ensure quality, safety, and modern design.
If you’re considering purchasing or refinancing a manufactured home, specialized loan programs can help you achieve your homeownership goals with ease.
Manufactured Home Loans provide financing for homes that are factory-built and meet HUD guidelines. These loans are tailored for homes that are permanently affixed to a foundation and used as a primary residence. They make homeownership accessible for buyers looking for affordable yet high-quality housing.
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View RatesTo qualify for a Manufactured Home Loan, you’ll need to meet specific criteria:
Several financing options, including FHA, VA, USDA, and Conventional Loans, are available to help make manufactured homeownership accessible and affordable.
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Now is a great time to explore financing options for manufactured homes. Use our free Instant Rate Quote tool and Rate Tracker to see how much you could save every month or over the life of your loan.
Get StartedBenefits of Manufactured Home Loans
Drawbacks of Manufactured Homes
Yes, if the home is permanently installed on owned land and meets certain standards, it may qualify for traditional or government-backed mortgages.
Options include FHA loans, VA loans, USDA loans, and conventional loans.
Yes, many mortgage lenders offer combined loans if the home is permanently affixed and titled as real property.
Most lenders prefer scores of 620+, but FHA and VA loans may accept lower scores with larger down payments.
It varies — FHA loans may require as little as 3.5%, while conventional loans often need 3% to 20% depending on credit and property type.
Yes, many lenders require homes to meet specific HUD standards to qualify for financing.
You’ll typically need proof of income, credit history, property details, and land ownership or lease agreements.
Yes, refinancing is possible if the home qualifies as real property and meets lender criteria.
Our loan officers are ready and waiting to help you apply for your home loan.
At Sammamish Mortgage, we always put the client first, ensuring you receive a loan that fits your budget and needs.
We’re proud to offer some of the most competitive rates in the nation and provide a hassle-free home loan experience. Most of our loans close quickly and on time, so you can start enjoying your new home without delay.
For over 30 years, we’ve been serving borrowers in Washington, Oregon, Idaho, Colorado, and California, offering a wide variety of loan programs, including those for manufactured homes.
Are you ready to apply for your home loan? Contact us today to get started or lock in a low interest rate, or visit our website to get an instant rate quote. Let us help you achieve your homeownership goals!
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Whether you’re buying a home or ready to refinance, our professionals can help.
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