Manufactured and Modular Home Loans

Manufactured and modular home loans with eLEND

About our manufactured and modular home loans

eLEND offers home financing assistance for single and doublewide manufactured and modular homes on owned land throughout much of the United States. Borrowers can take advantage of eLEND’s specialized FHA loan designed for manufactured home financing. Through this program, borrowers enjoy the the security of fixed interest rates with highly competitive pricing. Call today and find out why eLEND is one of the Nation’s leading manufactured and modular home lenders. Programs are available for purchase financing and mortgage refinancing of eligible homes.

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Affordable Real Estate Solutions

For those who want affordable real estate, a manufactured or modular home can be a great option. With more and more people leaning toward a simpler lifestyle, manufactured homes can provide efficient living arrangements. If you’re in the market for a manufactured or modular home and need help with financing, you’ll be glad to know that eLEND offers both financing and refinancing options!

Manufactured Homes

A Manufactured Home is constructed off-site in a factory and transported to it’s permanent location. Manufactured homes can be one unit (single wide) or two units (double wide). A single wide manufactured home is 18 feet or fewer wide and 90 feet or fewer long. This can be a great choice for an affordable smaller home. A double wide mobile home is a prefabricated home that is typically at least 20 feet wide and no more than 90 feet long.

Modular Homes 

Modular homes are very similar to stick built homes, but they are prefabricated in a factory or other offsite facility, and then transported in one or more sections to the home site and finished in place. Unlike manufactured homes, modular homes must meet the same local building codes as stick built homes, and also generally qualify for the same financing programs as homes built on site from the ground up.

How Do I Qualify for Manufactured Home Financing?

To be eligible for our Manufactured home loan program, some of the requirements that must be met include the following:

  • The home must be a minimum of 400 square feet.
  • The home must have been built after June 15, 1976, and in conformance with the Federal Manufactured Home Construction and Safety Standards (there will be a certification label to signify this).
  • The home must be on a permanent foundation and cannot be located in a mobile home park.
  • The loan must also cover the land that the manufactured home sits on. If it does not, and the mobile home is on land you do not own, we can still help you! We have personal property loans (chattel loans) available. Talk to one of our home loan specialists today!

Looking to refinance instead? Learn more about refinancing a manufactured home or refinancing a mobile home with eLEND!

We understand how difficult it can be to achieve home financing. That’s why we these developed educational tools to help aid in your understanding of the mortgage process: