Manufactured Home Mortgage


A manufactured home, aka mobile home, is one that is built off site in a factory and then transported to the home site in one or more units.  For those who want affordable real estate, a manufactured home can be a great option.

People are often surprised when they see just what is possible in today’s manufactured homes.  Manufactured homes come in a stunning variety of architectural styles, sizes, and layouts.  They can include high end materials and features such as granite or marble countertops, spa style bathrooms, and custom fireplaces.

Because they tend to be more affordable when compared to traditional stick built homes, manufactured homes can open up home buying options.  For many, a manufactured home means it’s possible to become a homeowner without taking on more debt and expenses than would be manageable. 


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A manufactured home MUST be on its own land to get a mortgage on it through NetFunding Corporation.




Any manufactured home constructed after June 15, 1976 must be done so according to the building code laid out in the National Manufactured Housing Construction and Safety Standards Act of 1974.


This ensures that requirements are met for the performance and safety of the home in a wide range of areas including:

  • structural design
  • heating and air conditioning
  • plumbing
  • thermal and electrical systems
  • energy efficiency
  • fire safety



Owning a lot with a manufactured home on it can be an excellent way to invest in real estate without paying the high cost of a stick built home.  As with any investment there is no guaranteed that values will increase over any specific period of time, but historically real estate prices have gone up over time.




Home buyers often worry that financing will be tougher to come by should they purchase a manufactured home.  Thankfully there are some excellent manufactured home mortgage programs available.  A specialty FHA, Conventional, or VA loan designed just for manufactured home lending can be a great option when financing both the home and the land it sites on, often with minimum down payments.  Even better you don’t have to have perfect credit to be eligible!


Some of the requirements of these programs include:

  • The home must be a minimum of 400 square feet in size
  • The home must have been built after June 15, 1976, and in accordance with the Federal Manufactured Home Construction and Safety Standards (there will be a certification label affixed to the home to signify this.)
  • The loan must cover both the home and the land that it sits on
  • The home must be on a permanent foundation and cannot be located in a flood zone
  • The borrowers’ credit scores must be a minimum of 620 to qualify
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