6 Best Mobile Home Loans of November 2025

29/10/2025 Money Finance Comments (0)

Mobile and manufactured homes can offer an affordable path to homeownership. But just because they come with lower price tags than traditionally built homes doesn’t mean you won’t need help financing the purchase.

As with standard properties, there are many loans that can help you finance the cost of your mobile or manufactured home. From government-backed and conventional mortgages to chattel loans and even personal loans, you have several options to fund this type of home.

If you’re looking to buy a mobile home or manufactured home, here are the best lenders to help you do it.

What to know about mobile home loans

  • There are many types of manufactured and mobile home loan options, including conventional mortgages, government-backed mortgages, personal loans, chattel loans and more.
  • The right type of loan will depend on the type of property you’re buying, its location and the year it was built.
  • Requirements for mobile home loans can vary widely, and some lenders allow credit scores as low as 500.

How we chose our top picks

Money reviewed over 20 mobile home and manufactured home mortgage lenders throughout the U.S., using publicly available data, lender websites and lender representatives to confirm data accuracy. We then used factors such as product variety, home and land requirements, credit requirements, reputation and geographic availability to score each lender on a one-to-five scale. What you see below are the top companies that emerged.

Please read our full methodology to learn more about our approach.

Our top picks for the best mobile home loans of November 2025

Pros

  • Wide loan variety and high loan amounts
  • Low credit score and down payment minimums
  • Flexible land and property requirements
  • Serves all 50 states
  • Great reviews and ratings

Cons

  • Mobile home loan info is sparse on its website
  • No advertised interest rates

HIGHLIGHTS

Loan products
Conventional, FHA, VA, USDA, non-QM, chattel, home and land loans
Maximum loan amount
$3.5 million
Terms
10-30 years for fixed-rate loans, 3-10 years for adjustable-rate loans
Credit score minimum
500
States served
50
Home requirements
Primary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundation
Land requirements
Owned land, leased land

Why we chose it: CrossCountry Mortgage (NMLS #3029) is the clear winner for best mobile home lender, scoring a perfect 5 out of 5 on our rating scale. The lender boasts a wide variety of loans and high loan amounts. Its credit, down payment, property and land requirements are flexible, and it serves all 50 states, too. Its ratings are also notable, with a whopping five stars on over 22,000 customer reviews on Zillow.

Pros

  • Several loan options
  • Low credit score requirements
  • Flexible land and property requirements
  • Great reviews and ratings

Cons

  • Only serves 40 states
  • No advertised interest rates
  • No conventional loans

HIGHLIGHTS

Loan products
FHA, VA, chattel, construction-to-permanent, home-and-land loans
Maximum loan amount
Not disclosed
Terms
Up to 30 years
Credit score minimum
575
States served
40
Home requirements
Primary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundation
Land requirements
Owned land, leased land

Why we chose it: Cascade Mortgage (NMLS #89599) scores a solid 4.5 out of 5 on our rating scale — the second-highest score out of all mobile home lenders we analyzed. The company offers flexible home, credit and property requirements, and its ratings and reviews are strong. If you’re looking to finance land as part of your home purchase, it’s a top-notch choice. The lender’s LandSmart portfolio loan lets you purchase your home and land simultaneously, or if you’re hoping to build a property on land you’re buying, its construction-to-permanent loan is another solid option.

Pros

  • Deep experience in mobile home lending
  • Flexible land and property requirements
  • Low credit score minimum
  • Great reviews and ratings

Cons

  • Only serves 46 states
  • No advertised interest rates
  • No government-backed mortgages

HIGHLIGHTS

Loan products
Home-only loans, home-and-land loans, refinancing
Maximum loan amount
Not disclosed
Terms
Up to 25 years for home-only loans; up to 30 years for home-and-land loans
Credit score minimum
575
States served
46
Home requirements
Primary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundation
Land requirements
Owned land, leased land

Why we chose it: You can’t find a lender more experienced in mobile home lending than 21st Mortgage (NMLS #2280). The lender has issued the most mobile and manufactured home loans by volume for the last 14 years, according to the Manufactured Housing Institute, and judging by its reviews and ratings, 21st excels at customer service. The lender boasts an A+ rating with the Better Business Bureau and a 4.6 rating on Google, and it can even provide insurance for your new home.

Pros

  • Wide loan variety
  • High loan amounts
  • Serves all 50 states
  • Great reviews and ratings

Cons

  • Higher credit score minimum than other lenders analyzed
  • No leased land or mobile home parks
  • No non-permanent foundations

HIGHLIGHTS

Loan products
FHA, VA, USDA, jumbo, construction, cash-out, rehab/renovation, home equity
Maximum loan amount
$3 million
Terms
Up to 30 years
Credit score minimum
640
States served
50
Home requirements
Permanent foundation required
Land requirements
Owned land, no leased land or mobile home parks

Why we chose it: Manufactured Nationwide’s (NMLS #411500) lineup of loan options is unmatched, offering a slate of government-backed loans, jumbo loans and even renovation and home equity options. It also provides up to $50,000 in extra funding (before or after closing) and serves customers nationwide. Just take note: Manufactured Nationwide doesn’t allow for rented or mobile home park land, so you’ll need to own or purchase land to use this lender.

Pros

  • Wide loan variety
  • Flexible land and property requirements
  • No loan maximums

Cons

  • No government-backed loan options
  • Higher credit score minimum than other lenders analyzed
  • Only serves 41 states
  • Customer reviews could be better

HIGHLIGHTS

Loan products
Home-only loans, home-and-land loans, refinancing, home equity, cash-out
Maximum loan amount
No maximum
Terms
20-25 years
Credit score minimum
660
States served
41
Home requirements
Primary residences, second homes, vacation properties, new homes, used homes, permanent foundation, non-permanent foundation
Land requirements
Owned land, leased land

Why we chose it: If you already own a home and are looking for options, Credit Human (NMLS #486243) has them. You can refinance your existing loan, take cash out of your home, or even get a home equity loan in addition to your first mortgage. Both owned and leased land is allowed, and you can finance primary residences, second homes and vacation properties.

Pros

  • Low credit score minimum
  • Great reviews and ratings
  • Fast closing times

Cons

  • Only serves 49 states
  • No chattel loans

HIGHLIGHTS

Loan products
FHA, VA, USDA, conventional
Maximum loan amount
Not disclosed
Terms
Up to 30 years
Credit score minimum
540
States served
49
Home requirements
Not disclosed
Land requirements
Not disclosed

Why we chose it: Aside from our top overall winner, Guild Mortgage (NMLS #3274) has the next-lowest minimum credit score among all the lenders we analyzed, requiring only 540 to qualify. The lender also boasts strong customer reviews (5 stars on Zillow), serves customers in 49 states and offers a 17-day express closing if you’re on a tight timeline.

Other companies we considered

Rocket Mortgage: Rocket Mortgage (NMLS #3030) gets consideration in any “best of” mortgage list we publish, but when it comes to mobile home loans, its offerings just don’t measure up. The online lender’s loan options are limited to only FHA, VA and conventional loans, which may not work for many mobile home buyers.

CIS Home Loans: CIS Home Loans (NMLS #93140) has a lot to offer, boasting a wide variety of loan options and strong customer reviews. Its limited geographic footprint, though — just 26 states — and its owned-land-only requirement (no leased land or mobile home parks) are what held it back from being a top pick.

What you need to know about mobile home loans

Financing a mobile home or manufactured home purchase is different from that of a typical property. Not all lenders will allow you to purchase these types of homes, so keep this in mind when choosing your mortgage lender.

There are also a variety of different loan options in this space, and the type of home you’re eyeing — not to mention, its features and location (in a mobile home park, on land you own, etc.) — can determine what types of loans you can use to buy it.

Molly Boyle, president of Front Porch Media Group and media contact for the Manufactured Housing Institute, a national trade organization representing the factory-built housing industry, says that mobile homes are a competitive option for homeowners who value affordability above all else.

“Manufactured homes are a solid investment and have been shown to provide the same appreciation and wealth-building potential as site-built homes — at a much more affordable price point,” Boyle says.

Here’s what you need to know about mobile home loans before diving in.

Types of mobile homes

There are several types of “mobile homes” you might consider buying. First, there are mobile homes and manufactured homes. These are very similar, but for lending purposes, the date they were built differentiates them.

In addition to these, there are also park model homes, which are mobile/portable properties that you can move from one mobile home park to another as desired.

Here’s a bit more about each of these:

  • Mobile home: These are factory-built homes manufactured before June 15, 1976 — the date the U.S. Department of Housing and Urban Development (HUD) instituted new building regulations. Homes built before that date are ineligible for most standard mortgages. If you’re considering buying one, you may need to use a chattel loan, personal loan or seller financing, if it’s available.
  • Manufactured home: A manufactured home is a mobile home that was built after June 15, 1976. This means they meet HUD’s new building requirements and are therefore eligible for most major mortgage loan programs.
  • Park model homes: Park model homes are properties that are technically considered vehicles, as they are small, movable and portable. They don’t need to meet HUD regulation standards and don’t qualify for traditional mortgages. You’ll usually need to use a chattel loan, personal loan or other type of financing to buy these properties.
  • Crossover modern homes (CrossMods): A factory-built home that is of a higher quality and includes features of a traditional site-built home, including porches, carports and garages. There are also options designed to be more energy-efficient.

Types of mobile home loans

Depending on what type of mobile home you’re buying, you may have a number of financing options at your disposal.

Typical loan options include:

  • Traditional mortgages: These are mortgages you’ll use to purchase a manufactured home that is already built. They include conventional, Federal Housing Administration (FHA), Veterans Affairs (VA) and Department of Agriculture (USDA) loans.
  • Construction mortgages: If you’re looking to build your manufactured home to your specific liking, this type of mortgage can help. It covers the costs of the home’s construction and land preparation in phases.
  • Personal loans: Another option for purchasing mobile or manufactured homes, though they may have lower loan limits than traditional mortgage products. You’ll typically need excellent credit; otherwise, you’ll face high interest rates.
  • Chattel loans: Chattel loans can be used to finance movable property, such as a park model home, machinery or a piece of equipment. You cannot use chattel loans to purchase land.
  • Seller financing: If you’re purchasing a mobile home or manufactured home from a previous owner, they may let you pay them for the property in set payments (plus interest) over time. This is called seller financing, and while it sounds nice, be wary. According to the Pew Charitable Trusts, approximately 20% of all mobile home loans are financed through risky contracts with sellers and other parties that have no federal or state protections.

If you’re unsure what the best way to finance your home purchase is, you can talk to a financial advisor or mortgage broker. They can point you in the right direction for your goals and property type.

How to qualify for a mobile home loan

The requirements you’ll need to meet for a mobile or manufactured home loan depend on the lender you choose and the type of mortgage program you’re using. With traditional mortgages, you’ll need to meet specific credit score, debt-to-income (DTI) and loan-to-value ratios, and you’ll often need to provide a down payment, too.

With others, you may need to meet specific home and land requirements (for example, you might need to already own the land you’re buying a home on, or you might need to purchase a new property or one with a permanent foundation).

Generally speaking, you’ll need a credit score ranging between 500 to 680 and a down payment of up to 35%. In some cases, you may be able to use the land you’re buying or building on as collateral in lieu of a down payment. You will usually need a DTI of 50% or lower to ensure you can make your payments.

Latest news in mobile homes

The ROAD to Housing Act, a bipartisan bill designed to increase the housing supply and improve affordability, includes several changes that affect the manufactured home market.

Among the changes of the wide-ranging bill designed to loosen building requirements and improve accessibility are provisions that remove the permanent chassis requirements for these homes and increase the loan limits for FHA-insured manufactured home loans. The bill passed the Senate floor in a 77-20 vote and is awaiting a vote by the House of Representatives.

The ROAD to Housing Act is part of a larger government effort to enact regional zoning reforms to increase the stagnant housing supply.

In other efforts to help mobile home owners, a class action lawsuit filed in Illinois claims multiple companies that own manufactured home parks “coordinated with each other to increase manufactured home lot rents,” using market reports published by Datacomp Appraisal Systems Inc., a provider of manufactured home valuations and market data. The company is accused of sharing “non-public” and “competitively sensitive” information that squashed competition among the park owners.

Best mobile home loan FAQs

Is it harder to get a mortgage for a mobile home?

Mobile homes are defined as factory-built homes manufactured before 1976. Manufactured home is the term used to describe homes built after 1976 that meet HUD’s new building requirements. While most manufactured homes are eligible for traditional mortgage loan programs, mobile homes are not, and you may need a personal loan, chattel loan or some other type of financing to buy one.

What credit score do I need to qualify for a mobile home loan?

Mortgage lending requirements for mobile home loans vary. Some lenders require a minimum credit score of 500 to qualify for a loan, while others require a score of 660 or higher. Contact your available lenders directly to learn about your mobile home loan options.

Can you get a mortgage for a manufactured home?

Yes, you can get a mortgage loan for a manufactured home. The kind of loan you’ll need will be determined by the type of home you buy. You can get a traditional mortgage loan to purchase a manufactured home that has already been built or you can seek a construction mortgage loan if you’re looking to build a manufactured home to your specifications. Unlike chattel loans, mortgage loans can include the land on which manufactured homes are built.

What is the best lender for manufactured and mobile homes?

The best lender for mobile and manufactured homes will be the one that offers rates and terms most suited to your financial profile and loan needs. Some of the best lenders include CrossCountry Mortgage, Cascade Mortgage and 21st Mortgage.

Methodology

We evaluated nearly two dozen mobile home mortgage lenders nationwide, gathering data on product terms, qualifying requirements, interest rates, availability, reputation and other factors to zero in on the best ones. Lenders were rated on a one-to-five scale based on six categories: loan options (20%), credit score requirements (15%), land requirements (15%), geographic availability (15%), property requirements (20%) and ratings/reviews (15%).

We prioritized companies that:

  • Have strong customer reviews and good ratings with the Better Business Bureau
  • Offer a variety of loan products, including government-backed mortgages
  • Boast a broad geographic footprint, allowing more borrowers access to their products
  • Are flexible in their borrowing requirements, allowing you to purchase homes with both permanent and non-permanent foundations, new and used homes, and homes on both leased and owned lands. Lenders allowing you to finance a land purchase with your home were also prioritized.

Summary of our top picks for the 6 best mobile home loans of November 2025

Mobile and manufactured homes can offer an affordable path to homeownership. But just because they come with lower price tags than traditionally built homes doesn’t mean you won’t need help financing the purchase.
As with standard properties, there are many loans that can help you finance the cost of your mobile or manufactured home. From government-backed and conventional mortgages to chattel loans and even personal loans, you have several options to fund this type of home.
If you’re looking to buy a mobile home or manufactured home, here are the best lenders to help you do it.
What to know about mobile home loans

There are many types of manufactured and mobile home loan options, including conventional mortgages, government-backed mortgages, personal loans, chattel loans and more.
The right type of loan will depend on the type of property you’re buying, its location and the year it was built.
Requirements for mobile home loans can vary widely, and some lenders allow credit scores as low as 500.

How we chose our top picks
Money reviewed over 20 mobile home and manufactured home mortgage lenders throughout the U.S., using publicly available data, lender websites and lender representatives to confirm data accuracy. We then used factors such as product variety, home and land requirements, credit requirements, reputation and geographic availability to score each lender on a one-to-five scale. What you see below are the top companies that emerged.
Please read our full methodology to learn more about our approach.
Our top picks for the best mobile home loans of November 2025

CrossCountry Mortgage: Best Overall
Cascade Mortgage: Best for Buying Land + Property
21st Mortgage: Best for Customer Service
Manufactured Nationwide: Best for Loan Variety
Credit Human: Best for Existing Homeowners
Guild Mortgage: Best for Low Credit Borrowers

Pros

Wide loan variety and high loan amounts

Low credit score and down payment minimums

Flexible land and property requirements

Serves all 50 states
Great reviews and ratings

Cons

Mobile home loan info is sparse on its website

No advertised interest rates

HIGHLIGHTS

Loan products
Conventional, FHA, VA, USDA, non-QM, chattel, home and land loans

Maximum loan amount
$3.5 million

Terms
10-30 years for fixed-rate loans, 3-10 years for adjustable-rate loans

Credit score minimum
500

States served
50

Home requirements
Primary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundation

Land requirements
Owned land, leased land

Why we chose it: CrossCountry Mortgage (NMLS #3029) is the clear winner for best mobile home lender, scoring a perfect 5 out of 5 on our rating scale. The lender boasts a wide variety of loans and high loan amounts. Its credit, down payment, property and land requirements are flexible, and it serves all 50 states, too. Its ratings are also notable, with a whopping five stars on over 22,000 customer reviews on  

Source:Read More

Leave a Reply