No. We work with a range of credit profiles. However, your FICO (not Credit Karma) credit score must be, at minimum, 550. That said, manufactured home financing has stricter underwriting guidelines than traditional mortgages — chattel lenders set their own standards and they tend to be less flexible. The best way to find out where you stand is to apply. It takes about 30–40 minutes and uses only a soft credit pull that won't affect your score.
Qualification is based on a combination of your credit score, credit history, income, debt, and the property you're looking to finance.
Down payment requirements vary depending on your loan program, property type (land vs. no land), and credit profile. Depending on these you'll be required to put down somewhere between 5%–20%. We'll show you all your options once we've reviewed your application — no commitment required to see the numbers.
Our minimum loan amount is $40,000. If your credit score is below 600, the minimum increases to $50,000.
Yes. A cosigner can be used to help strengthen your application. We'll walk you through how that works and whether it makes sense for your situation.
The Process
From application to closing, most qualified borrowers are in their home within 30–45 days. The biggest factor affecting timeline is how quickly documents are provided during underwriting — delays there are the most common reason a process takes longer. Our How It Works page walks through every stage in detail.
To get started you'll need: proof of income (if you're working — your most recent 2 or 4 pay stubs depending on whether you're paid weekly or biweekly; if you're self-employed — your most recent 2 tax returns; or if you're receiving something like Social Security — your most recent benefit verification statements), a photo ID (driver's license or government-issued ID), and a credit or debit card to pay for your soft credit report — that's ordered separately by email after you submit your application.
Rates vary based on your credit score, loan program, and other factors. We'll be straight with you: manufactured home loan rates are typically higher than traditional mortgage rates. Once we review your application we'll show you exactly what rate you qualify for — before you commit to anything.
Loan Types & Property
Both. We specialize in almost all manufactured home financing scenarios — land/home packages and homes in land-lease communities. If you're not sure which category your situation falls into, just give us a call and we'll figure it out together.
No. We do not currently offer FHA loan products.
Yes. We can finance manufactured homes used as second or vacation properties. Give us the details of your situation and we'll let you know what programs are available.
No. We specialize exclusively in manufactured and mobile home financing. Traditional stick-built homes are outside our scope.
Yes — rate and term refinances only. We do not offer cash-out refinancing on manufactured homes.
Working With Us
Yes. If you're working with a real estate agent, they're welcome to be involved throughout the process. We're used to coordinating with agents and can communicate directly with them to keep things moving.
No. We are a mortgage broker — we arrange financing only. We do not sell, list, or represent manufactured homes. If you need help finding a home, we're happy to point you toward resources in your area.
Still have questions?
Call us — we're happy to talk through your specific situation before you apply. No pressure, no obligation.