Guides
Everything you need to finance a mobile or manufactured home.
Six guides, each written to answer one real decision — not to sell you anything.
- Refinancing a Mobile Home Loan When refinancing a manufactured home loan actually saves money, how to convert a chattel loan into a mortgage after acquiring the land, and the questions to ask before you apply.
- Land-Home Packages: Financing Both Together How construction-to-permanent financing works when you're buying land and a manufactured home together, and the real trade-offs between a one-time close and a two-time close.
- Down Payments and Credit Scores: What You Actually Need Realistic down payment ranges and credit tiers for manufactured home financing, what FHA, VA, and USDA programs can offer, and concrete ways to improve your approval odds.
- The 1976 HUD Line: Financing Older Mobile Homes Why homes built before June 15, 1976 rarely qualify for standard financing, how to tell which side of the line a home is on, and the realistic options if it's pre-HUD.
- Financing a Mobile Home in a Park (Leased Land) What changes when you're buying a manufactured home for a rented lot: chattel financing, park approval, lease terms, and the questions to ask before you sign anything.
- Chattel Loan vs. Mortgage: Which Fits Your Situation The single question that determines whether you'll qualify for a mortgage or a chattel loan on a manufactured home — plus a full rate, term, and cost comparison.