Manufactured-home financing, mapped clearly

The loan type starts with what you own.

Land, title, foundation, and HUD status can change which financing paths are worth exploring. Start with the property facts—then compare the numbers.

Compare illustrative payments Find your starting path

Education, not a loan offer. We are not a lender or broker. Rates and payments shown here are illustrative; verify terms with licensed lenders.

Your first fact check Confirm title, foundation, and land ownership are documented together. Then compare mortgage-style programs and property eligibility.

“May” and “often” matter: title treatment and lender rules vary by property and jurisdiction.

Which path fits you?

Financing looks different depending on whether you own land, rent a lot, or need both. Pick your situation.

I own the land Your home sits on land you already own or are buying outright. You may qualify for a real-property mortgage instead of a chattel loan — often a meaningfully lower rate. See chattel vs. mortgage → I'm renting a lot in a park You'll finance the home only, not the land — a chattel loan. Park approval, lease terms, and community rules all factor into the process. See park financing → I'm buying land and a home together One purchase, two assets. Land-home packages use construction-to-permanent financing with either a one-time or two-time close. See land-home packages →

Signature tool

See a real monthly payment, side by side.

Move a slider and watch a chattel loan and a mortgage recalculate live — monthly payment, total interest, and a donut chart showing where every dollar goes.

Open the calculator

Guides, written for real decisions

Six deep guides covering the questions that come up in every mobile home financing conversation.

All guides →

We are an independent educational resource — not a lender, broker, or comparison service. Nothing here is a loan offer or a guarantee of approval.