Mobile Home Loans

Finance Your Manufactured or Modular Home With eLEND

Manufactured Home Financing

eLEND offers a variety of mobile home loans, for singlewide and doublewide manufactured and mobile homes on owned land (you must own the 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. Programs are available for purchase financing and mortgage refinancing of eligible mobile homes.

If you don’t own the land underneath your mobile home, we can still help you! Our personal property loans (or chattel loans) are powered by MHL, so be sure to speak to one of our home loan specialists today to discuss the right type of loan for you.

We also offer financing for manufactured and modular homes!

 

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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.

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.

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.

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.

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 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! Our personal property loans are *powered by MHL. 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!

Manufactured Housing eBook

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Take a look inside to learn more about Manufactured Home Loans. People are often surprised when they see just what is possible in today’s manufactured homes.

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