Modular Home Mortgages and Loans for Manufactured Homes

Many people in rural America need affordable financing for manufactured, mobile and modular homes. There are several popular government programs that back financing with loans for modular homes. USDA and FHA are the most popular modular home loans but there are more.

Manufactured Home Loans vs. Modular Home Mortgage

Qualifying for a second mortgage with a modular home has been quite an accomplishment in recent years. People who own modular or manufactured homes have had to go to great lengths to obtain secondary financing for single-family modular homes. More equity is required if your home is considered to be either.

How Much Do You Want to Borrow?


See Lenders for Terms and Conditions

BD Nationwide has created this website so people can shop modular, mobile home loans, 2nd mortgages, home equity credit lines and refinancing regardless of past credit problems. We offer a free service so you can find brokers and lenders that offer alternative home financing that can difficult to find at your local banks.

Shop for the Best Rates on Loans for Mobile, Modular and Manufactured Homes

In most cases, rates on modular home loans will be slightly higher with Pre-Fabricated homes than they would be with a standard single-family residence. The lending institutions consider modular/manufactured homes to be a greater risk factor than with your typical SFR. The more equity you have in your home, the larger opportunity you will have to borrow more money.

Property Types: Modular, Manufactured, SFR, Condo, MFR
Lien Position: 1st or 2nd
Amortization: Principal & Interest Payments
Interest Rate Types: Fixed Interest or Variable Rates
Fixed Loan Terms: 15, 20, 25, or 30-year payment schedules

Are you searching for a manufactured or modular home loan at today’s market rates? Many finance companies do not offer mobile home financing, but many do offer FHA programs that extend loans for modular homes.

Get a free, no-obligation manufactured home loan quote today and let us help you find the best options for minimizing your housing expenses!