Mobile and manufactured homes can offer an affordable path to homeownership. But just because they come with lower price tags than traditionally built homes doesn’t mean you won’t need help financing the purchase.
As with standard properties, there are many loans that can help you finance the cost of your mobile or manufactured home. From government-backed and conventional mortgages to chattel loans and even personal loans, you have several options to fund this type of home.
If you’re looking to buy a mobile home or manufactured home, here are the best lenders to help you do it.
What to know about mobile home loans
- There are many types of manufactured and mobile home loan options, including conventional mortgages, government-backed mortgages, personal loans, chattel loans and more.
- The right type of loan will depend on the type of property you’re buying, its location and the year it was built.
- Requirements for mobile home loans can vary widely, and some lenders allow credit scores as low as 500.
How we chose our top picks
Money reviewed over 20 mobile home and manufactured home mortgage lenders throughout the U.S., using publicly available data, lender websites and lender representatives to confirm data accuracy. We then used factors such as product variety, home and land requirements, credit requirements, reputation and geographic availability to score each lender on a one-to-five scale. What you see below are the top companies that emerged.
Please read our full methodology to learn more about our approach.
Our top picks for the best mobile home loans of February 2026
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- Wide loan variety and high loan amounts
- Low credit score and down payment minimums
- Flexible land and property requirements
- Serves all 50 states
- Great reviews and ratings
- Mobile home loan info is sparse on its website
- No advertised interest rates
HIGHLIGHTS
Loan productsConventional, FHA, VA, USDA, non-QM, chattel, home and land loansMaximum loan amount$3.5 millionTerms10-30 years for fixed-rate loans, 3-10 years for adjustable-rate loansCredit score minimum500States served50Home requirementsPrimary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundationLand requirementsOwned land, leased land
Why we chose it: CrossCountry Mortgage (NMLS #3029) is the clear winner for best mobile home lender, scoring a perfect 5 out of 5 on our rating scale. The lender boasts a wide variety of loans and high loan amounts. Its credit, down payment, property and land requirements are flexible, and it serves all 50 states, too. Its ratings are also notable, with a five-star rating based on over 22,000 customer reviews on Zillow.
- Several loan options
- Low credit score requirements
- Flexible land and property requirements
- Great reviews and ratings
- Only serves 40 states
- No advertised interest rates
- No conventional loans
HIGHLIGHTS
Loan productsFHA, VA, chattel, construction-to-permanent, home-and-land loansMaximum loan amountNot disclosedTermsUp to 30 yearsCredit score minimum575States served40Home requirementsPrimary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundationLand requirementsOwned land, leased land
Why we chose it: Cascade Mortgage (NMLS #89599) scores a solid 4.5 out of 5 on our rating scale — the second-highest score out of all mobile home lenders we analyzed. The company offers flexible home, credit and property requirements, and its ratings and reviews are strong. If you’re looking to finance land as part of your home purchase, it’s a top-notch choice. The lender’s LandSmart portfolio loan lets you purchase your home and land simultaneously, or if you’re hoping to build a property on land you’re buying, its construction-to-permanent loan is another solid option.
- Deep experience in mobile home lending
- Flexible land and property requirements
- Low credit score minimum
- Great reviews and ratings
- Only serves 46 states
- No advertised interest rates
- No government-backed mortgages
HIGHLIGHTS
Loan productsHome-only loans, home-and-land loans, refinancingMaximum loan amountNot disclosedTermsUp to 25 years for home-only loans; up to 30 years for home-and-land loansCredit score minimum575States served46Home requirementsPrimary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundationLand requirementsOwned land, leased land
Why we chose it: You can’t find a lender more experienced in mobile home lending than 21st Mortgage (NMLS #2280). The lender has issued the most mobile and manufactured home loans by volume for the past 14 years, according to the Manufactured Housing Institute, and, based on its reviews and ratings, 21st excels at customer service. The lender boasts an A+ rating with the Better Business Bureau and a 4.6 rating on Google, and it can even provide insurance for your new home.
- Wide loan variety
- High loan amounts
- Serves all 50 states
- Great reviews and ratings
- Higher credit score minimum than other lenders analyzed
- No leased land or mobile home parks
- No non-permanent foundations
HIGHLIGHTS
Loan productsFHA, VA, USDA, jumbo, construction, cash-out, rehab/renovation, home equityMaximum loan amount$3 millionTermsUp to 30 yearsCredit score minimum640States served50Home requirementsPermanent foundation requiredLand requirementsOwned land, no leased land or mobile home parks
Why we chose it: Manufactured Nationwide’s (NMLS #411500) lineup of loan options is unmatched, offering a slate of government-backed loans, jumbo loans and even renovation and home equity options. It also provides up to $50,000 in extra funding (before or after closing) and serves customers nationwide. Just take note: Manufactured Nationwide doesn’t allow for rented or mobile home park land, so you’ll need to own or purchase land to use this lender.
- Wide loan variety
- Flexible land and property requirements
- No loan maximums
- No government-backed loan options
- Higher credit score minimum than other lenders analyzed
- Only serves 41 states
- Customer reviews could be better
HIGHLIGHTS
Loan productsHome-only loans, home-and-land loans, refinancing, home equity, cash-outMaximum loan amountNo maximumTerms20-25 yearsCredit score minimum660States served41Home requirementsPrimary residences, second homes, vacation properties, new homes, used homes, permanent foundation, non-permanent foundationLand requirementsOwned land, leased land
Why we chose it: If you already own a home and are looking for options, Credit Human (NMLS #486243) has them. You can refinance your existing loan, take cash out of your home, or even get a home equity loan in addition to your first mortgage. Both owned and leased land is allowed, and you can finance primary residences, second homes and vacation properties.
- Low credit score minimum
- Great reviews and ratings
- Fast closing times
- Only serves 49 states
- No chattel loans
HIGHLIGHTS
Loan productsFHA, VA, USDA, conventionalMaximum loan amountNot disclosedTermsUp to 30 yearsCredit score minimum540States served49Home requirementsNot disclosedLand requirementsNot disclosed
Why we chose it: Aside from our top overall winner, Guild Mortgage (NMLS #3274) has the next-lowest minimum credit score among all the lenders we analyzed, requiring only 540 to qualify. The lender also boasts strong customer reviews (5 stars on Zillow), serves customers in 49 states and offers a 17-day express closing if you’re on a tight timeline.
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Other companies we considered
Rocket Mortgage: Rocket Mortgage (NMLS #3030) gets consideration in any “best of” mortgage list we publish, but when it comes to mobile home loans, its offerings just don’t measure up. The online lender’s loan options are limited to only FHA, VA and conventional loans, which may not work for many mobile home buyers.
CIS Home Loans: CIS Home Loans (NMLS #93140) offers a wide range of loan options and strong customer reviews. Its limited geographic footprint — just 26 states — and its owned-land-only requirement (no leased land or mobile home parks) kept it from being a top pick.
What you need to know about mobile home loans
Financing a mobile or manufactured home purchase differs from financing a typical property. Not all lenders will allow you to purchase these types of homes, so keep this in mind when choosing your mortgage lender.
There are also a variety of different loan options in this space, and the type of home you’re eyeing — not to mention, its features and location (in a mobile home park, on land you own, etc.) — can determine what types of loans you can use to buy it.
Here’s what you need to know about mobile home loans before diving in.
Types of mobile homes
There are several types of “mobile homes” you might consider buying. First, there are mobile homes and manufactured homes. These are very similar, but for lending purposes, the date of construction is the differentiator.
In addition to these, there are also park model homes, which are mobile/portable properties that you can move from one mobile home park to another as desired.
Here’s a bit more about each of these:
- Mobile home: These are factory-built homes manufactured before June 15, 1976 — the date the U.S. Department of Housing and Urban Development (HUD) instituted new building regulations. Homes built before that date are ineligible for most standard mortgages. If you’re considering buying one, you may need to use a chattel loan, personal loan or seller financing, if it’s available.
- Manufactured home: A manufactured home is a mobile home that was built after June 15, 1976. This means they meet HUD’s new building requirements and are therefore eligible for most major mortgage loan programs.
- Park model homes: Park model homes are properties that are technically considered vehicles, as they are small, movable and portable. They don’t need to meet HUD regulation standards and don’t qualify for traditional mortgages. You’ll usually need to use a chattel loan, personal loan or other type of financing to buy these properties.
- Crossover modern homes (CrossMods): A factory-built home that is of a higher quality and includes features of a traditional site-built home, including porches, carports and garages. There are also options designed to be more energy-efficient.
Types of mobile home loans
Depending on what type of mobile home you’re buying, you may have a number of financing options at your disposal.
Typical loan options include:
- Traditional mortgages: These are mortgages you’ll use to purchase a manufactured home that is already built. They include conventional, Federal Housing Administration (FHA), Veterans Affairs (VA) and Department of Agriculture (USDA) loans.
- Construction mortgages: If you’re looking to build your manufactured home to your specific liking, this type of mortgage can help. It covers the costs of the home’s construction and land preparation in phases.
- Personal loans: Another option for purchasing mobile or manufactured homes, though they may have lower loan limits than traditional mortgage products. You’ll typically need excellent credit; otherwise, you’ll face high interest rates.
- Chattel loans: Chattel loans can be used to finance movable property, such as a park model home, machinery or a piece of equipment. You cannot use chattel loans to purchase land.
- Seller financing: If you’re purchasing a mobile home or manufactured home from a previous owner, they may let you pay them for the property in set payments (plus interest) over time. This is called seller financing, and while it sounds nice, be wary. According to the Pew Charitable Trusts, approximately 20% of mobile home loans are financed through risky contracts with sellers and other parties that lack federal or state protections.
If you’re unsure what the best way to finance your home purchase is, you can talk to a financial advisor or mortgage broker. They can point you in the right direction for your goals and property type.
How to qualify for a mobile home loan
The requirements you’ll need to meet for a mobile or manufactured home loan depend on the lender you choose and the type of mortgage program you’re using. With traditional mortgages, you’ll need to meet specific credit score, debt-to-income (DTI) and loan-to-value ratios, and you’ll often need to provide a down payment, too.
With others, you may need to meet specific home and land requirements (for example, you might need to already own the land you’re buying a home on, or you might need to purchase a new property or one with a permanent foundation).
Generally speaking, you’ll need a credit score ranging between 500 to 680 and a down payment of up to 35%. In some cases, you may be able to use the land you’re buying or building on as collateral in lieu of a down payment. You will usually need a DTI of 50% or lower to ensure you can make your payments.
Latest news in mobile homes
Recent bipartisan efforts to address housing affordability have included changes to how the Department of Housing and Urban Development (HUD) rules apply to mobile and manufactured housing.
The Build Smarter for the 21st Century Act includes provisions to eliminate the requirement for a permanent chassis on manufactured homes, which would reduce construction costs, enable more flexible designs (including multi-story homes), and ease zoning restrictions. HUD would also be the primary entity responsible for developing safety requirements and regulations.
Another important provision of the bill requires HUD to develop a program that would allow the Federal Housing Authority to guarantee homebuying loans under $100,000, thereby expanding access to affordable financing to a wider range of prospective buyers, among other provisions.
Best mobile home loan FAQs
Is it harder to get a mortgage for a mobile home?
Mobile homes are defined as factory-built homes manufactured before 1976. Manufactured home is the term used to describe homes built after 1976 that meet HUD’s new building requirements. While most manufactured homes are eligible for traditional mortgage loan programs, mobile homes are not, and you may need a personal loan, chattel loan or some other type of financing to buy one.
What credit score do I need to qualify for a mobile home loan?
Mortgage lending requirements for mobile home loans vary. Some lenders require a minimum credit score of 500 to qualify for a loan, while others require a score of 660 or higher. Contact your available lenders directly to learn about your mobile home loan options.
Can you get a mortgage for a manufactured home?
Yes, you can get a mortgage loan for a manufactured home. The kind of loan you’ll need will be determined by the type of home you buy. You can get a traditional mortgage loan to purchase a manufactured home that has already been built or you can seek a construction mortgage loan if you’re looking to build a manufactured home to your specifications. Unlike chattel loans, mortgage loans can include the land on which manufactured homes are built.
What is the best lender for manufactured and mobile homes?
The best lender for mobile and manufactured homes will be the one that offers rates and terms most suited to your financial profile and loan needs. Some of the best lenders include CrossCountry Mortgage, Cascade Mortgage and 21st Mortgage.
Methodology
We evaluated nearly two dozen mobile home mortgage lenders nationwide, gathering data on product terms, qualifying requirements, interest rates, availability, reputation and other factors to zero in on the best ones. Lenders were rated on a one-to-five scale based on six categories: loan options (20%), credit score requirements (15%), land requirements (15%), geographic availability (15%), property requirements (20%) and ratings/reviews (15%).
We prioritized companies that:
- Have strong customer reviews and good ratings with the Better Business Bureau
- Offer a variety of loan products, including government-backed mortgages
- Boast a broad geographic footprint, allowing more borrowers access to their products
- Are flexible in their borrowing requirements, allowing you to purchase homes with both permanent and non-permanent foundations, new and used homes, and homes on both leased and owned lands. Lenders allowing you to finance a land purchase with your home were also prioritized.
