Manufactured and Modular Home Loans: Up to 100% Financing in All 50 States
When other lenders turn you down, we close the loan. Dealer-direct, land-and-home financing on factory-built homes, underwritten in-house.
Manufactured Nationwide is a factory-built home lending authority, providing FHA, VA, USDA, and conventional financing for manufactured, modular, mobile, kit, and barndominium homes in all 50 states. As a veteran-owned, in-house direct lender powered by The Federal Savings Bank, we offer up to 100% financing, jumbo and portfolio loans up to $10 million, and land-and-home construction, purchase, refinance, cash-out, renovation, and home equity programs, including options for borrowers other lenders turn down.
Manufactured Home Loans in All 50 States
With Manufactured Nationwide, you're not just getting a loan, you're gaining a partner who understands the nuances of factory-built housing across the country.
From sun-drenched California beaches to snow-capped Colorado mountains, Manufactured Nationwide provides financing solutions for quality homes across all 50 states. Our commitment to nationwide service means your dream home is within reach, no matter where you choose to live.
We understand that each state has its unique housing market, zoning laws, and land-use regulations. That's why our team of experts is well-versed in the specific requirements of all 50 states, ensuring a smooth financing process wherever you are.
Why Choose Manufactured Nationwide
50-state FDIC Bank with direct lending, no middlemen
Veteran-owned and operated, serving all Americans and ITIN holders
Specialists in manufactured, modular, and mobile homes
Up to *$50,000 extra for qualified borrowers
Save up to *30% on real estate agent fees in all 50 states
Lightning-quick approvals with in-house underwriting
Competitive fixed rates and flexible terms
Jumbo and Portfolio loans up to $10 million
Expertise in New Manufactured and Modular From Dealer Construction loans
Detailed Manufactured Home Loan Calculator to find out how much you can afford
Our Manufactured and Modular Loan Programs
Modern Comfort: The Luxury of Today's Manufactured Homes
Today's manufactured homes offer spacious, luxurious living spaces that rival traditional site-built homes. From gourmet kitchens to cozy fireplaces, these homes provide all the comforts you desire, adaptable to any lifestyle or location.
At Manufactured Nationwide, we understand the quality and value of modern manufactured homes, and our financing solutions are designed to help you achieve your dream of homeownership.
Explore all our manufactured home loan programs.
Construction Loans
Get up to 100% financing with our Hybrid, One-Time Close, and Two-Time Close Construction Loans. We fund both land and home for manufactured and modular properties. From classic manufactured homes to innovative barndominiums, ICF, SIP Panel homes, and traditional stick-built properties, we've got you covered.
Purchase Loans
Secure up to 100% financing for your single, double, triple, or quadruple-wide home with our VA, FHA, USDA, and conventional loan programs. Purchase a home on land you own, ensuring long-term stability and investment.
Refinance and Cash-Out
Unlock up to 100% financing for rate and term refinances or consolidate debt with our cash-out refinance programs. Our VA, FHA, and conventional programs help you maximize value on manufactured, modular, or mobile homes across all 50 states.
Renovation Loans
Transform your current property into your dream home with our 100% renovation financing options. Whether you're buying and renovating simultaneously or updating your existing home, we offer FHA 203(k) and VA renovation loans for manufactured, mobile, and modular homes nationwide.
The *$50,000 Consumer Loan
Qualified borrowers can access up to $50,000 extra to use for paying off debt, buying a tiny home, remodeling, or furnishing your home. Available before, at, or after closing with our Mortgage Client Consumer Loan™.
*We exclusively finance homes that will be permanently affixed to land owned by the borrower. We do not offer chattel loans or financing for homes on rented land or in mobile home parks.
As Seen In
Factory-Built Home Financing Nationwide
At Manufactured Nationwide, we've transformed the landscape of factory-built home financing across America. Our specialized loan programs make homeownership accessible and affordable in all 50 states. Whether you're seeking a manufactured home mortgage in California or a modular home loan with land in Texas, we offer flexible solutions tailored to your needs.
Competitive interest rates for manufactured and modular homes nationwide
Financing options for single-wide, double-wide, triple-wide, and quadruple-wide manufactured homes
Comprehensive refinancing solutions for all types of factory-built homes, kit homes, even barndos and 3D printed homes
Land and home package loans available in every region
5 Star Manufactured Lender Reviews That WOW!
Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction.
~Tom K. Realtor
Manufactured Home Loan Rates and Options
As America's top-rated manufactured home loan lender, we offer some of the most competitive rates nationwide. Our manufactured home loan rates are designed to make homeownership affordable and accessible from coast to coast. Whether you're looking to finance a new manufactured home in Florida or refinance an existing one in Oregon, we have options to suit every need.
Low down payment options available across all states
Flexible credit requirements to suit diverse financial situations
Comprehensive manufactured home refinance and streamline programs
Specialized loans for manufactured homes on owned land
Innovative New From Dealer Construction loans for land and home packages
Frequently Asked Questions
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Yes, we offer mortgages for manufactured, modular, and mobile homes that are permanently affixed to land in all 50 states. Our VA, FHA, USDA, and conventional programs provide up to 100% financing for qualifying borrowers nationwide.
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Unlike many traditional banks, we specialize in manufactured, modular, and land-fixed mobile home loans with competitive rates and terms in all 50 states. Our in-house underwriting, nationwide coverage, and expertise in New From Dealer Construction loans set us apart. But our extra *$50,000 available before, at, or after closing isn't offered anywhere else.
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Qualification depends on factors such as your credit score, income, and the type of home. We offer flexible programs for FHA, VA, USDA, and conventional loans across all states. Use our Eligibility Quiz to see what programs are available for you.
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Our New From Dealer Construction loans are designed to finance both the land and the home for site-built, manufactured, and modular properties. This one-stop solution simplifies the process of buying land and a new home simultaneously, available nationwide. Additionally, if you already own your land we can apply land equity to your loan further reducing your down payment.
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We do! Manufactured Nationwide offers financing for all types of manufactured homes in rural areas across America, with loans up to $10 million. Our USDA loans are particularly suited for rural properties, as are our FHA and VA options.
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The best loan depends on your situation and location. VA loans offer up to 100% financing for veterans, while FHA and USDA loans provide other benefits like lower down payments. Our loan experts can guide you to the best option for your specific state and circumstances.
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Absolutely. We offer rate and term refinances, cash-out refinances, and debt consolidation options for manufactured homes in all 50 states. Use our Refinance Calculator to estimate how much you could save. In Texas, cash-out refinance is capped at 80% loan to value.
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Yes, we do! While barndominiums aren't technically manufactured homes, we offer financing options for these and other unique property types across the nation like 3D Printed Homes, Foam Homes, Log & Timber Homes, and more. Our flexible lending programs accommodate various non-traditional home styles.
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Interest rates can vary based on factors like credit score, loan term, down payment or equity position, and loan to value. Our rates remain competitive across all regions and program types. Contact us for a personalized rate quote tailored to your state and circumstances.
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Yes, our New From Dealer Construction loans are available nationwide and are designed specifically for land and home packages. These loans cover both the land purchase and the new manufactured or modular home, streamlining the entire process. *We do not offer this program for manufactured homes in New York, however other proper styles are available.
Ready to Start Your Homeownership Journey
No matter where you are in the United States, we're here to help you achieve your dream of homeownership. Find out how much financing you qualify for and take the first step towards your new home today.
Loans Other Lenders Turn Down
Manufactured Nationwide isn't just another lender - we're your dedicated partner in achieving homeownership, no matter how complex your situation. Our team of seasoned professionals brings over a century of combined mortgage industry experience to the table, ready to tackle even the most challenging loans.
Specialized solutions for those turned down by other banks and options not found elsewhere
Expert bankers who fight for your loan approval and a loan committee when exceptions are warranted
Custom-tailored options for every home type: from double-wides to barndominiums to foam designed or 3D printed homes
Build, buy, refinance, or renovate with confidence
We don't just process loans; we deliver dreams. Whether you're looking at a traditional manufactured home or considering innovative options like Barndominiums, 3D Printed, or SIP Panel Construction, we have the expertise and determination to make it happen.