Home Only Loans

Financing for factory-built homes that are not permanently affixed to land

There’s no better time to enter the factory-built home market

Whether it’s on privately owned land or in a manufactured home community, eLEND can help you obtain home-only financing for factory-built homes.  With floorplan variations and amenities that look and feel like site-built homes, factory-built homes allow you to personalize your home the same way as any on-site new build.  Even better, factory-built homes allow you to benefit from lower construction costs, accelerated timelines and multiple inspections throughout construction to ensure structural stability.

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Home Only financing available for:

  • New or used single-wide, multi-wide and park model homes
  • Primary dwelling or secondary home
  • Purchase or refinance

To be eligible for Home Only financing, some of the requirements that must be met include the following:

  • Minimum FICO of 600
  • Down payment requirements as low as 5%
  • Terms up to 25 years for new construction
  • Maximum debt-to-income ratio of 50%

For complete guidelines, contact an eLEND specialist.

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: