Mobile Home Loans & Financing

Mobile Home Financing

eLEND offers mobile home financing assistance for single and double wide manufactured homes on owned land throughout much of the United States. Borrowers can take advantage of eLEND’s specialized FHA loan designed for mobile 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 mobile home lenders. Programs are available for purchase financing and mortgage refinancing of eligible mobile homes.

Types of Mobile Homes
Why Choose a Mobile Home?
Eligibility

Types of Mobile Homes

1
Single Wide Mobile Homes

A single wide mobile home is a home that is prefabricated, meaning it is built offsite and then transported to the property site as a single unit, and is 18 feet or fewer wide and 90 feet or fewer long. This can be a great choice for an affordable smaller home.

2
Double Wide Mobile Homes

A double wide mobile home is a prefabricated home that is typically at least 20 feet wide and no more than 90 feet long. Generally, a double wide is constructed in two separate units within a factory environment. The two units are then transported to the site and joined together.

3
Manufactured Homes

“Manufactured” is another term for mobile home, and refers to a house that has been constructed offsite, generally in a large factory, and is then towed to the homesite. Manufactured homes can be one unit (single wide) or two units (double wide) as outlined above.

4
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 mobile or 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.

Why Choose a Mobile Home?

Affordable Real Estate Solutions

For those who want affordable real estate, a mobile 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 mobile home and need help with financing, you’ll be glad to know that eLEND offers mobile home loans as well as mobile home loan refinancing.

Eligibility

How Do I Qualify for Mobile Home Financing?

To be eligible for our mobile 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 loan must also cover the land that the manufactured home sits on. The home must be on a permanent foundation and cannot be located in a trailer park or flood zone.
The borrower’s credit score must be a minimum of 580 to qualify.

Looking to refinance instead? Learn more about refinancing a manufactured home or refinancing a mobile home with eLEND! Whether you’re looking for a mobile home loan in New Jersey, Maryland, Alabama, Arizona, New York, Louisiana, or Georgia we have you covered. We specialize in mobile home loans for nearly all US states.

I want to..

Apply Now

Choose this if you want to apply for a mortgage.

For more information, use our mortgage education center or read details on our loan programs.

Get My Rate

Choose this to get your mortgage rate.

This only takes a couple minutes! You can even scan a picture of another estimate and we'll generate a comparison.

Mobile Home Loans

Finance Your Manufactured or Modular Home With eLEND