Manufactured Home Loans
Refinance, Cash Out or Purchase Lending

Manufactured Home Loans are offers for refinance or purchase loans with FHA or FNMA mortgages. Borrowers can refinance or purchase manufactured homes up to 97% loan to value. If homeowners want to refinance their single family residence and get cash back, they can borrow up to 95% loan to value.

Did you know that one out of 7.5 new single family residences are manufactured homes? There are over 22 million people living in manufactured homes.

Manufactured homes are required to be built to federal HUD Code which was created 28 years ago. "The term manufactured home was adopted in 1980 by the US Congress to describe a type of house that is constructed in a factory to comply with a building code developed by the Department of Housing and Urban Development (HUD)." Manufactured homes are not mobile homes.

The average price for a home sold as a manufactured home was $48,800 in 2001.

Selecting a Home Mortgage Loan

There are several important factors you may want to consider when choosing a home loan.

  • Make sure the lender has loan programs for manufactured or modular homes.
  • Find out what kind Loan to Value limits the programs have.
  • Find out what credit scores are needed for loan programs like refinancing or second mortgages.

Manufactured Loan Options




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BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
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