Mobile Home Loans

Over the years mobile homes have remained a popular housing choice due to their relatively low cost. In the past, these homes have conjured up the image of run down trailer parks but today mobile homes are often just as nice as conventional, stick-built houses.

Financing a mobile home can be a bit tricky. Generally, lenders make the distinction to whether a mobile home can have a mortgage by looking at how permantly the structure is affixed to land. If the home is on a foundation than a mortgage is quite possible. If not, the home may be considered personal property and thus not financeable with a mortgage.

Does Your Mobile Home Qualify?

  • Was your mobile home built after 1976? If it was not, it will not qualify for a loan.
  • Do you own the land? This will help greatly in qualifying.
  • Is your credit score at least 620? This is the standard minimum credit required by lenders on any mortgage.
  • Are you able to put down 5-10% of the home's purchase price? You may be able to do no money down but a small down payment goes a long way.
  • The best way to find out if your home qualifies is to fill out our short form above to get in touch with a mortgage professional in your area!

Learn More About Mobile Homes

Are you searching for a mobile home to purchase? Try the Manufactured Home Source. Their site has classified mobile home manufacturers and communities to make it easy to find the home of your dreams!

Another great place to search for mobile homes for sale is MH America. They make it easy to find new and used mobile homes in your area.

Thanks for making Mortgage Loan Place your source for your home buying needs. If you are ready to request your home loan, please start the process now!

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