Mobile Home Equity Loans
Manufactured Home Refinancing

Nationwide Mortgage Loans offers mobile home equity loans and manufacture home financing for qualified borrowers using a modular of manufactured home as collateral. The most competitive interest rates for manufactured homes these days come from Fannie Mae and FHA backed home loans. Very few lenders offer home equity loans to borrowers unless they are residing in a permanent foundation SFR, condo or multi-family residence. However Nationwide does offer a few second mortgage products to borrowers with modular or manufactured homes as long as your fico scores are high enough and you have enough equity. Typically 80-85 combined loan to value is required for these types of home equity loans, but 90% is possible with compensating factors.

Mobile home loans are typically more difficult to qualify for but with good credit or ample equity it is possible to take out a second mortgage with for SFR, modular and manufactured homes, regardless of past credit problems. It can be very difficult to qualify for a home equity loan if you are using a manufactured home as collateral.

In most cases, manufactured homeowners have an up-hill battle when applying for cash out equity loans. Nationwide Mortgage Loans offers 2nd mortgages and variable rate home equity lines and fixed rate equity loans, regardless of past credit problems.

Interest rates for home equity loans can be a bit higher with pre-fabricated homes than with your common single-family residence. The underwriting banks consider modular/manufactured homes to be a more significant risk for default than they consider with standard SFR financing.

Home Equity Loan Features
Modular Home Financing is available with FHA and Conventional loan programs from Fannie Mae.
Fixed Rate Home Equity Refinancing
Cash Out Mortgage Refinancing with FHA
Interest Only - Low Rate Home Equity Loan Payments
Cash Out for Bill Consolidation
Home Equity Loans for All Types of Credit
Combine first and second mortgage loans together
No Income Verification Equity Loans
Past Bankruptcy OK- Low Credit OK
Learn more about Second Mortgage & Equity Loans for People with Less than Perfect Credit


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Please be aware that this is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Nothing on this site contains an offer to make a specific home loan for any purpose with any specific terms. This is a web-site and no loans can be guaranteed as loans and rates are subject to change. Nationwide is affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states. Copyright 2001-2010 and Beyond, Nationwide Mortgage Loans - is a website and cannot make loans. All rights reserved.