Do We Finance Manufactured Homes?

Filed under: Qualifying for a Mortgage Loan

I choose these video topics based on the things that are coming up in conversations with clients and others in the industry. This week, the topic of manufactured homes has come up a few times – myself and another person at the office both picked up loans where other lenders were unable to help with financing on a manufactured loan.

So, I thought it would be helpful to answer a few questions about buying a manufactured home. My goal with these weekly videos is to keep you up-to-date on market conditions and answer any questions that might be relevant in the industry.

Other Lenders Won’t Finance Manufactured Homes

There are quite a few lenders out there who just won’t work with clients buying manufactured homes. But these properties do fit conventional, FHA, and VA guidelines.

We absolutely can help with loans for manufactured homes, but there are a few specific details that need to be met. For example, the home needs to be on a permanent foundation.

How Lending Guidelines Compare

For the most part, the lending guidelines are quite similar to what we go through for a regular, stick-built home. We just have to work through a few small details.

Whether you are a homeowner preparing to buy a manufactured home, or a real estate agent helping a client with this type of deal, let us know! We’d love to help out with that type of financing. It’s definitely a service we offer frequently – and we understand the guidelines and requirements pretty well. It’s possible to get the financing you need when buying this type of property.

I’m here to help with any type of home you are buying. If you have questions or would like to learn more about your options, then reach out so we can have a conversation.

Franklin Loan Center | NMLS 237653
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, 4131316
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